vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: GA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX   XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} COLLECTIONS XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX   XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}

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 2020-04-01 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: GA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} COLLECTIONS XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX   XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}

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 2020-04-01 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 received a copy of my credit report and found the following item ( s ) to be errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
After learning of Wells Fargo 's criminal activities ( XXXX  XXXX ), I paid off my WF credit card and quit using it. This was years ago. When they sent me a new card several years ago, I did not activate it. Eventually I got around to closing the account some time in XXXX ... but I don't have anything in writing. I went into the branch and did it. After many months of no contact, they began emailing me again. 

XXXX XXXX, XXXX, Wells Fargo sent me a promo email " You may be eligible for more purchasing power. '' I wrote back and said " I believe I closed my account with you long ago. Please confirm. No answer. 

XXXX XXXX, XXXX, Wells Fargo sent me an email to say my card was expiring soon ( this has to be the one I never activated ). Around XX/XX/XXXX : First I called to say I cancelled this card ; the person I was talking to wanted all kinds of PPI and then it finally occurred to me that this could be a phishing email, and if it was I'd taken the bait. I forwarded the email to the Wells Fargo phishing report email address and explained the situation. I closed with " If it actually was Wells Fargo I talked to, I hope someone from that company lets me know. '' No answer. 

-Around XX/XX/XXXX I got a credit card from Wells Fargo in the mail. I looked up " Wells Fargo Account Fraud '' and found this on XXXX : " Wells Fargo clients began to notice the fraud after being charged unanticipated fees and -- receiving unexpected credit or debit cards -- or lines of credit. 

So I received an unexpected credit card, long after closing an account. Is Wells Fargo committing one of its crimes again?

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 2020-04-01 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: LA

Complaint narrative:
Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by 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 2020-04-01 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: LA

Complaint narrative:
Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by 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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TN

Complaint narrative:
I have been dealing with AFNI in regards to XXXX for over a year. Every letter I have sent, I have asked for them to VALIDATE the debt. In my letters, I have also asked for them not to send any photocopies of a XXXX XXXX, I have continually have asked for AFNI to send any legal documentation stating I have any business dealings with them. All they ever do is constantly send over a copy of a XXXX bill. Even the XXXX bill doesn't mention the company AFNI on it. I just want LEGAL DOCUMENTATION stating I agreed to have any business dealings with AFNI!!!!!! I am tired of going back and forth with this company!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is information that is being reported falsely in regards to debts owed. I was a victim of identity theft. I need all information t be disputed and investigated.

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 2020-04-01 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXXMonthly Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 9 XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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 — Investigation took more than 30 days
Company: NCP Holdings, L.P.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
equifax has a major issue with there products thart they are selling to the public.i can not get a credit report from them and they also do not respond to credit requests from XXXX XXXX  and my fico.there deffinetly a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a paying member of XXXX XXXX XXXX. I have access to all 3 credit reporting agencies. I have in the last 90 days filed disputes per their process. I had an installment loan with XXXX loan # XXXX which I paid off two months ago. XXXX XXXX 's credit report shows the balance of {$16000.00} is now XXXX. However, When I check all three agencies reports it still shows a balance due of {$16000.00}. When I tried to file a new dispute and went through the online process I get a messages back " We are sorry, but we are unable to to full fill your request your request at time '' Then a message, " what to do Now ''. 
I paged through this information and finally found a phone number to call customer service, I was placed ON HOLD for 1 hour and 15 minutes and when answered it was a lady in XXXX. She told me that the XXXX account showed XXXX  on balance. So I walked her through going to all 3 agencies reports and that there it shows the account is still open and the NOT paid off which is wrong. She acknowledged that she agreed with this. However, that the dispute and technical depts. were having difficulties and she could not do anything about it. I ask her, I have been working on this for 2 weeks and are no closer to getting someone to resolve it. She said she could file the dispute manually and I would get a confirmation email that this was done. She verified my account and email with XXXX XXXX. To date I NEVER received the confirmation. For me this is very frustrating and I consider it Harassment and nobody at XXXX XXXX cares because they do not have to take care of this our satisfy my disputes and to think I paid them {$29.00} for the privilege of getting XXXX. I thought the U.S. Government had taken action to prevent these credit reporting agencies from hassling, delaying and  not servicing the American Public ... .my experiences are nothing has changed, 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 2020-04-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-04-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

US DEP ED XXXX {$9300.00} XXXX  XXXX {$2600.00} XXXX   XXXX {$110000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$3100.00} DEPTEDXXXX XXXX {$7100.00} XXXX  XXXX 'XXXX  XXXX {$1600.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX   XXXX  XXXX {$3100.00} XXXX/XXXX  XXXX {$500.00} XXXX   XXXX {$750.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX  XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
The below complaint was filed with the CFPB against CCS, they claim their client confirmed amount is correct but have not shown any proof of such. Also, a payment was mailed soon after cancellation date. A prorated amount was generated and payment was mailed in form of a money order. It appears payment was either lost in the mail or intercepted by a third party, there is no copy of money order available to provide. I submitted the below complaint prior as it appears XXXX XXXX is attempting to collect when payment was sent and an incorrect amount, does not appear prorated. 

CCS claims I owe an amount of {$1800.00} to XXXX XXXX for auto insurance policy which was canceled soon after the policy was purchased. The amount is the down payment to start policy which I believe includes two months of coverage, possibly first and last month, I am not certain. The policy was canceled soon after purchase date, I believe a week or two after. It appears XXXX XXXX has not adjusted the amount to reflect cancellation, did not pro-rate it. Further, several attempts were made to debit my account for amount despite cancellation prior. These attempts caused several overdraft fees which I was not reimbursed for and I believe XXXX XXXX is responsible for as it is in their error for making attempts. Needless to say, I do not owe full amount and am disputing it as again, it does not appear to be pro-rated, {$1800.00} is an unusually high amount for a down payment even for two months of coverage. I suspect XXXX XXXX is adding on bogus fees to inflate the balance further. In closing, please advise CCS I will not pay such a high amount, it needs to be adjusted to reflect correct amount as well as overdraft fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone opened an account in my name with Chase bank and XXXX XXXX  and I didnt authorize or know of it being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CO

Complaint narrative:
While I was disputing charges on my final invoice with XXXX XXXX XXXX XXXX, the collection company Enhanced Recovery Company , LLC, ( ERC ) added the XXXX XXXX XXXX account as unpaid with all 3 credit reporting agencies. I never received any documents, invoices, or any contact from ERC regarding the mentioned account. Additionally, I was in the process of resolving the issue with XXXX XXXX XXXX directly. I never received any documents from ERC to dispute this account, which they are required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
They are lieing about my house payment!!! Ive called them over an over!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: OH

Complaint narrative:
Someone stole my identity and opened up accounts with XXXX and US bank. It was a XXXX  liquid account and I am being held responsible for debt I dont owe nor approved of. I filed a report with the police.

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 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Request was made on XX/XX/20 seeking loan forbearance to delay mortgage payments during the COVID-19 pandemic. I've been furloughed with reduced income. My monthly payment is {$2100.00}. Many lenders are allowing forbearance, whereas Rushmore Loan Management Services refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a fraud discrepancy with Bank of America in the beginning of 2019 ; I went to the bank for help but they shut my account down and marked it on my XXXX XXXX as fraud. Now I tried speaking to them but only could help if I currently have an account.

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 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020 my account was overdrafted by the end of business day due to a bill submitted by a merchant. The bank claimed that whenever a merchant submit a bill, they don't verify against your checking account and it only gets processed by the end of business day. That act caused my account to be overdrafted without any notification from the bank, so I could cover the charge and avoid being charged an overdraft fee. I have contacted chase and they have refused to overturn the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone stole my identity and opened up accounts with Chase and XXXX XXXX. It was a chase liquid account and I am being held responsible for debt I dont owe nor approved of. I filed a report with the police.

Company response to consumer: Closed with explanation