vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I AM A VICTIM OF IDENTITY THEFT I 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 2020-11-16 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. 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 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted TWO REG Z BILLING DISPUTES TO XXXX AND THIS WILL BE THE FOURTH COMPLAINT! They just removed one month of negative reporting but left one still being reported!!! - They need to FULLY FIX MY CREDIT REPORT!! AND NOW THEY SEND ME A SBILL SHOWING XXXX DUE!! I 100 % dispute the late payment reported by XXXX AND THE BALANCE DUE. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!

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 2020-11-16 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: OH

Complaint narrative:
I have submitted TWO REG Z BILLING DISPUTES TO XXXX AND THIS WILL BE THE FOURTH COMPLAINT! They just removed one month of negative reporting but left one still being reported!!! - They need to FULLY FIX MY CREDIT REPORT!! AND NOW THEY SEND ME A SBILL SHOWING XXXX DUE!! I 100 % dispute the late payment reported by XXXX AND THE BALANCE DUE. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2020 I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter. it has been 5 months with no response and these inaccurate accounts are still showing on my credit report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. 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 2020-11-16 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. 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 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received a Visa gift card from a former employer. This particular card was never activated and BB & T is telling me it was and they have taken XXXX in so called maintenance fees. I found the card yesterday and it has never been used. I had another gift card for the same amount that was used, but not this card. I do not activate these cards until I am ready to use them based on past experience. When I called customer service, all I wanted to do was see if I could reactivate the XXXX since it just expired on XX/XX/XXXX. Then one person told me it was activated in XXXX. Another person said it was activated in XXXX and that XXXX in fees had been take out due to non use. I never activated this card. This is a gift card. There should be no maintenance fees on a gift card that was never activated or used. I tried talking to a customer service person and a supervisor on XX/XX/XXXX and they refused to help. I just want the XXXX back on the gift card so I can use it. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I am financially strained. I know 2020 has hit a lot of people hard. My mom got sick and could not provide child care, so I had to find child care. Then my father had a massive XXXX and had to have XXXX XXXX. I have been trying to help them. My husband got hurt at work and then was terminated due to COVID. He is trying to get the workers comp case taken care of, so he is not on unemployment. I have XXXX children and I am the only one working. I can not continue to pay the {$100.00} plus every other week and it not be making a dent in my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
on XX/XX/2020, I mailed a letter requesting investigaton of inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter. I still haven't received a response and it's been 5 months!!!!

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 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Scammers scammed money for job offerings and house purchases. 

One transaction is a check deposit, from Wells Fargo to the XXXX XXXX XXXX. 

Date : XX/XX/2020. {$3000.00}. Check # XXXX XXXX XXXX Deposit into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX 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 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I changed insurance companies due to lower rate that i have done several times in the past. All information was sent over to Bank of America to send payment over, next thing i know is my policy was cancelled due to non payment. XXXX never got the payment from bank of america so i called Bank of America to see what happened and they sent the check out to wrong address and wrong payee. When i spoke to them they said a new check would be overnighted to them so this issues is resolved. It has been almost a month and issue is still not resolved. The new policy was sent over on XX/XX/18 in the amount of {$1900.00} ( check not received ), 3 times a week for the past month i have called them for status and nothing has been done, I last spoke to XXXX a manager at bank of america and he assured me it would be sent out. Still nothing has been sent out and i am without insurance on my home now.

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 2020-11-16 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: CA

Complaint narrative:
I have multiple issues with Experian : 1. My credit score was downgraded because they reported my mortgage on two different financial institutions at the same time, doubling my debt ; they refused to correct it, despite their own report showing that I only owe the amount to one institution ; my score was decreased by 45 points! 
2. My report includes 2 names, one of which I never used ; I can not dispute it on line because they don't allow it, I tried to call but calls get disconnected ; I even reached a person who introduced herself as XXXX and got disconnected too ; 3. My report included an address I never lived at and which I disputed in the past, it had been removed and now it's showing again. 
4. My Experian score is lower than any other scores reported and they are causing financial issues preventing me from getting low interest loans ; they make it impossible to fix issues and abuse their power by ignoring real problems reported.

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 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPAL paid out a transaction that I disputed. I asked for proof and why they are not honoring my dispute. In which case, I got the run-around. It says on their website that I have the right to ask for my correspondence and how they came to their conclusion of not honoring my dispute and they have not provided me with any paperwork but generic copy-paste answers. 
I even have a contract and emails going back and forth with the business that did not provide me with the service but PAYPAL decided they were going to take my money and pay this business. 
Since when is paypal the judge of my money? Even when it's written in black and white with a contract. 
I paid for a service that was not provided to me. The contract date did not even start when I asked for my money back and cancelled and " fired '' the business. Yet, PAY PAL thinks they are the decider of my money without giving me any proof or explanation. 
PAYPAL needs to be held accountable. 
They are not doing what their website promises which is provide transcripts and communication on how they even came to their conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been current on my payments with Citibank Credit Card. Due to the hardship of Covid-19, I was only 4 days late of my monthly payment of {$70.00} for my minimum payment of my XXXX bill. I was planning on paying my bill, but due to XXXX I was 4 days late of my due date and my minimum payment went up from {$70.00} to {$210.00}! I requested that they please waive the late fee of {$29.00}, However, Citibank is unwilling to waive the fee of {$29.00}. I was only 4 days late and this is what they said. 
" Late fee and finance charge adjustments are approved and declined systemically by the bank. To submit a request for an adjustment a payment to bring the account to a current status will be required. {$210.00} will bring the account current as of XX/XX/20. '' I said I can not afford {$210.00} at this time, and asked if they are willing to waive the fee of {$29.00} and work out a payment plan with me, but they refused. Millions of people are suffering right now due to Covid-19 and Citibank should be ashamed!

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 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
There is a collection showing on my credit file for an apartment complex that I never lived at, Infact I have NEVER even set foot on the property, never even seen the property. I was coerced into beginning a EDoc and did not even complete the application/lease agreement because I had told them I did not agree nor did i sign and SUBMIT this E-document entirely because i said i wanted to meet to further discuss. When I went back to delete my lease because It did not seem right to me due to the fact that I didnt even see or view the apt complex at all. It stated I was evicted which requires me to be living in the place. I reached out and said I did not agree with their terms and they said it had already been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX, I received an email alert from Chase stating that there was wire transfer of {$8500.00} from my checking account. I went to Chase Bank at XXXX to freeze the account. The banker helped me out to file a claim with Claim Department. I was at the bank from XXXX until XXXX for changing account and report. My cell phone got hacked and it didnt not work. The banker let me used the bank phone to call my family and the banker was the witness. The banker asked me to come back on the XXXX of XXXX to fill out Statement of Fact. Attach were the support evidences. 
On XX/XX/XXXX I got an email and Chase denied to solve the problem and denied to refund my money back with unacceptable reason saying that at XXXX I confirmed the funds. Please help me solve the problems because I my money was taken and I have XXXX  kids to feed. 
Thank you so much, XXXX XXXX

Company response to consumer: Closed with monetary relief