vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 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: IL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-16 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-16 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: IL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these  inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying my credit.

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 2019-12-16 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: IL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying my credit.

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Placed freeze with experian. 
Tried to unfreeze later using both Experian web page and phone. 
Entered ALL requested info including PIN they gave me at time of freeze. 
Both methods denied unfreeze action pending mail in of numerous ID documents. 
This is holding up a mortgage and will cost money if not solved immediately. 
Web site claims pin is the only requirement to unfreeze. I believe they are misleading people on this process to save money for themselves.

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 2019-12-16 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:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I was pre-approved for the loan with " No Conditions '' by Banco Popular then after paying the Non-Refundable Deposit to the seller ; the Bank Loan Agent ( XXXX XXXX XXXX ) forced me against your will to make a payment to a third party ( not related to the loan ). They asked that I showed them I had been in dispute with them for over a year and to give all supporting documentations, I did so and sent them dozens of pages via email. 

The Bank ( XXXX ) then told me I was cleared to get the loan without having to pay this debt. However, only a few days after I paid the non-refundable deposit to the owner of the property, I was told if I didn't pay the debt in dispute I would lose the deposit, AND they would deny the Loan ( after being pre-approved with no conditions prior ). 

The underwriting team and XXXX told me that I was approved and would not have to pay this debt, I had no intention of paying a debt that had been in dispute, that was not mine, it was for a company I once owned and should have been agains the entity, but The Bank further stated if I did not pay the $ 18K+ debt immediately, the Bank would deny the loan and I would lose my $ XXXX deposit that already paid to the owner due to the time constraints in the purchase agreement of the home. I was very clear in emails and calls to the bank that I would not pay this $ XXXX deposit to the owner of the home unless I was sure I would be approved WITHOUT having to pay this non-related debt in dispute, they assured me several times that with my great credit score and income I would have no issue, they approved the loan with no conditions, then after paying the $ XXXX Deposit The Bank extorted me into paying a debt unrelated to the transaction. I would have NEVER paid a disputed debt unrelated to my personal finances if the Bank did not extort me to do so. It's apparent the loan officer was merely trying to close this deal, sold me on something untrue, and earned my trust to only put my back against the wall as she knew I had NO choice but to be forced to pay it or I would lose the home and the $ XXXX deposit to the owner. 
Furthermore, I have tried to fight this with my bank that is stateside, they have denied me many times, I am in Puerto Rico, I am working on filing a police report, and the police department also here made me feel like the harasser and would not allow me to file after a visit to my home and after I visited the police department they refused to allow me to file a police report so that I could at minimum receive temporary credit while I continue to dispute the transaction. XXXX XXXX by law is required to give a temporary credit and they have also refused to do so, I can not afford to get an attorney for this, I sincerely need some help please! 

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 2019-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: CA

Complaint narrative:
I call and told them the debt is not mind ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I went through a divorce and applied for a mortgage modification, I followed all the rules all the way to the Ombudsman office ... .... 

I will be sending correspondence from the OMBUDSMAN OFFICE stating clearly the name can be removed in order so I alone may sifn the modification Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: WA

Complaint narrative:
On XX/XX/XXXX I purchased a pair of XXXX XXXX through XXXX. The order number is XXXX. On XX/XX/XXXX I received a sealed, yet completely empty XXXX XXXX envelope with tracking # XXXX. The package weight was 1lbs or less, obviously and empty envelope. 

I contacted XXXX to file a dispute. They told me to send a message to the seller to try to resolve it. The seller responded and basically said they sent the item they aren't going to do anything to resolve the issue. They told me to file a claim with XXXX  XXXX. I explained that wasn't acceptable. I contacted XXXX and explained the situation. They said they would get me a refund if the seller didn't resolve the issue by XX/XX/XXXX. 

I spoke with XXXX again today as I haven't heard back from the seller of the item and requested a refund. They now directed me to PayPal and said they can't help me and PayPal would need to take over from here. 

I contacted PayPal and explained my situation and that I wanted to reverse charges as I have been a victim of fraud. The first agent hung up on me when I asked for their legal department. The second agent I spoke to told me to file a police report and then MAYBE I could get a refund. I asked to speak to a manager and waited on hold for 26 minutes before I spoke to " XXXX ''. Nice enough guy, but still didn't do much to help. He just said to check back in 10 days. 

It's clear that this is a pattern of PayPal. They do not intend to help consumers with disputes or matters of fraud and instead try to make the consumer go through unreasonable steps after being taken advantage of. I'm sure they save millions by making consumers go through unreasonable steps as most consumers don't have the time or resources to complete the scavenger hunt PayPal puts them on. I called my local police department and they laughed and said there was nothing they could take a report on. There's no criminal law broken when someone sends you an empty envelope. They said its a " civil matter ''. 

So now, I am just a solo consumer trying to battle with two behemoth companies XXXX and PayPal. As they are both refusing to refund my payment I have no option but to eat the loss. Or file a smalls claims lawsuit which would cost me nearly as much as I am trying to get refunded. I am hoping the CFPB can help me rectify this matter as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
After I graduated from college I wrote to my debtors to set up payment plans once I got a job. I sent {$25.00} to XXXX XXXX and they returned it stating it wasn't enough like its the only debt I had! So I didn't ' pay it. Now it is over 11 years old and should be erased from my life. Well, the debt was sold to Gurstel Law and they have been harassing me since. I started paying them, not efficiently but paid. They then put a judgement on me and now garnishing my wages. 
On XX/XX/XXXX they called again and spoke with the front desk girl and said " calling on XXXX  ... .. XXXX  ...., we have not received any payments on her garnishment. In fact I can prove that I have made at least 3 payments as requested. 
According to AZ laws, they can not harass me at work, defamation of character and abuse. If you see their reviews they are harassing a lot of people who are already paying on their debts. This company ( Gurstel ) are just bullies and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I am trying to close my deceased wife 's Apple Card with Goldman Sachs and they won't let me close it or provide me with any information where I can send a copy of the death certificate. They want me to search my wife 's phone to find information about her card. I am unable to do that. Previously, shortly after my wife 's death on XXXX/XXXX/2019, I called to report her death. I called again on XXXX/XXXX/2019 and offered to give Goldman Sachs any information to identify that I am authorized to close this account, including my wife 's name, social security number, address and the account number and they refuse to give me an address to send this information to them. Unfortunately, there is no paper record to help identify this card. 
Because of their refusal to cooperate with me, the card remains open, the charges continue ( because some charges were on auto ) and interest continues to accrue. I also can not close her estate or get a final bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I wrote a letter to our Mortgage Bank as we've been making late payments on our mortgage. We haven't missed a payment but being continuously late is not good. 
Last year we went into Bankruptcy, Chapter XXXX, because we had money stolen from our checking account due to a breach on XXXX. We only lost {$8000.00} but that was all the savings we had in order to pay our Mortgage payments on time. 
As time went on my husband was diagnosed with XXXX XXXX XXXX. The amounts we had to pay for tests and new medications really took a toll on our finances. 
My husband is XXXX and I am XXXX. We have tried looking for jobs but no one wants to hire us when they find out how old we are. 

We have reached out to our Mortgage Bank, Flagstar Bank only to be given the run around and told they are working on a solution without ever writing or communicating with us. I constantly call to find out the status of our request and be told we are missing documents. I have sent documents 3 times. I just called again on XX/XX/2019 and was told that I need to re-apply as the documents are not legible. Really? Why wasn't I told this before. I told them that I never receive any kind of mail from them and have to constantly call in order to see if anything is being done. 

My husband and I are so stressed and desperate to come up with a solution. We have asked for a forbearance plan of 2 months in order to catch up and make the monthly payments on time with no late fees in the future. 

If we have no choice we will eventually have to sell our home. We have accumulated about {$50000.00} or more in equity, so a forbearance plan would be ideal. 

We have been working with Flagstar 's Loss Mitigation Dept. and now have to re-submit all the paperwork, which is huge. 

Can you help us? 
Thank you in advance

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 2019-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a debt collector saying I owe a debt on an old credit card. I called the credit card company and they show there is not amount owed or charged off to debt collector. This happend on XX/XX/2019. They say there company is called XXXX XXXX XXXX XXXX. When I call them back they put me on hold and it goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Back In XXXX I had a XXXX  XXXX  financed through third party Monterey Financial. The amount was around {$3000.00} and I had my {$1000.00} down rolled into the payment. I had lost my job and couldn't pay and the account was supposedly charged off in XXXX. I had not really checked my credit till this year and the balance has got up to {$13000.00}!! I also noticed the put the account from charge off to collection and the account was placed twice on each one of my three credit bureaus. It was listed as collection under Monterey Financial Services then another collection was placed for the same amount but {$1.00} more than the balance under Monterey Collection Services. I have tried to dispute this amount because there is no way I would owe that and the account was charged off and placed twice to damage my credit. Seemed very vindictive. I have wrote to Monterey and have never received any correspondence back! You cant try to collect on the same debit twice and the balance is wrong.

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