vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive never had any accounts with Bank of America and I was told by Bank of America employee they cant open abs count for me because of my pervious relationship with the bank and that theyve added me to their hot file which means Ill never be able to open accounts with me. I explained the banker and his manager that I was a victim of identity theft provided them with police report and all The necessary documents but they kept telling me they cant do anything, further I called the Bank of America fraud team to tell them the same thing but nothing was done. Ive never had accounts with Bank of America and whatever records they have for me is wrong and fraudulent I need Bank of America to fix everything and remove me from their hot file.

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I filled a dispute to XXXX, Equifax, and XXXX  on XX/XX/XXXX. I have yet to receive anything saying they verified the accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank refused to refund fraudulent payments on my checking account, so I stopped using them. Now, they're still taking monthly fees, and rather than closing the account, they're taking the fees out of my mother 's account, somehow. She was removed from the account many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've sent multiple disputes to all the credit reporting agencies for personal information being reported incorrectly, collection accounts not being verified after I asked for documentation via mail, payment history not being updated after I had correspondence with the company to correct inaccurate information that they were reporting to the credit bureaus, and disputes for inquiries I did not authorize. 
XX/XX/2021, XX/XX/2021, XX/XX/2021, I sent a fourth set of dispute letters but can't locate the receipts.

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
XX/XX/2021 I ordered some stuff off XXXX that never arived I went elsewhere to get it so I asked for my money back well it took them 2 weeks from the time I received the email saying XXXX issued the refund but paypal had no mention of it still trying to reach provider will email me with the decision then the money showed up along with my acount being locked up and for 3 days now I've called customer service and they say my funds are frozen for 180 days call the next day and then was told the can fix it it would take 1 hour and I can withdraw my funds well the hour never came so I called again to day and this time it's frozen 180 days I got upset with them then all the sudden he can fix it check my email it would take an hour and I'm sure you guessed it the clock passed 12 hours so I need some one to step In this is all cause somthing I had no control over its not much money but by me not having it when I needed it I'm in debt XXXX dollars cause paypal decided to steel my cash and it's not fair that they just do whatever they want and say you can't use paypal no more or have the funds that belong to you it's ours now and XXXX you and your bills let em stack up late fees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been in forbearance for 15 months ( XXXX ) on my VA insured property in Virginia. When I went into forbearance I was assured by Wells Fargo that I would be able to have multiple options after ending forbearance. They assured me that as the investor on the loan, WF would have all abilities and desire to offer me modification, Including VA IRRRL, deferment and others. They sent me a letter stating this. I chose to continue forbearance with the expectation that these would be available. Now whenever I call the home preservation department, they say that the VA is the investor in my loan ( an obvious lie, even to a layperson like myself ), and they can only offer lump sum payment or a payment plan pending approval. I'm working in XXXX now as a XXXX XXXXXXXX, and I fear that I will loose my security clearance, my livelihood, and my former home. Despite my repeated efforts to give WF my contact information, they refuse to call the number I have provided them, and have refused to mail to the XXXX address I have provided. 

When I called and pointed out that they had promised modification options, and they sent me an email admitting that they had given me incorrect information, and told me that I was not eligible for deferment. 

I have to believe if they are lying to me and doing this, they are hurting other people as well. 

Please Help.

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 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was sent through my University of XXXX XXXX email about a " XXXX SURVEY APPLICATION JOB '' on XX/XX/2021. I emailed back under the impression that it was a job through my university. The instructions were to receive a check ( {$1800.00} ), purchase XXXX XXXX related supplies, send the remaining and keep {$220.00} compensation, send back remaining funds, then carry out survey. I received a check via mail via XXXX  and cashed it to my bank. It was not until the check bounced after I sent back the remaining funds that I realized I was scammed. 
I was emailed by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Check was from The Fund for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX {$220.00} was kept in my account. 
I used funds to follow instructions of purchasing XXXX XXXX  related items ( to later distribute and conduct survey ) Sent two {$500.00} payments to XXXX XXXX XXXX through Wells Fargo XXXX on XX/XX/2021 and XX/XX/2021. 
Remaining amount of {$530.00} was sent to XXXX XXXX XXXX via XXXX. 

I called Wells Fargo to report the fraud. They reported it, however, I was to still pay the funds back and they would not take any further action without a police report. 

I called three XXXX stations and each one of them rang until it went to voicemail or call ended.

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is now in XXXX and they do not know our laws and are told to just say no on evrrything you send or call od tel l them aboput fraud or freeze on credit report. 
I have 5 hard inquireys that are n o t mine at all and 2 accounts that arent mine. I sent them police repirt and they said they didnt get. I called and told them to dispute and they didnt understand, hung phone up.They did not do fair credit reporting agencies section 604, 609 o r 611 on my investigation or did it at all. The info on problems are below.

1. 2 accounts with XXXX XXXX  are not mine. 
2. XXXX says I was late on.psyments 4 years ago snd I keep sending them documents showing I made payments on the dates thry said. 
3. XXXX finance says I was late on payments when over seas in war before internet was even like it is now.

4. 5 hard inquireys. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX all in same month bit they say it was me and it wasnt. 
5. XXXX 7 years ago had fraud on my file for XXXX dollars and they want take off like federal and especially state of Pennsylvania it is against law after 4 years. These new breed of empliyees just say they help and either hang phone up or lie. This is what they teach these foreigners how to make it so hard to fix fraud. They lie when they had lawsuiye and now worse. 

If they would go by federal and state law then I would be fine. 

XXXX XXXX XXXX XXXX XXXX XXXX paXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I submitted a Identity theft report and haven't received any response from the credit bureaus. These accounts are hurting my ability to purchase a home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I submitted a Identity theft report and haven't received any response from the credit bureaus. These accounts are hurting my ability to purchase a home

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2021, I submitted a Identity theft report and haven't received any response from the credit bureaus. These accounts are hurting my ability to purchase a home

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