vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I contacted EWS regarding how XXXX was reporting me and that I was a victim of Identity Fraud, but they disregarded my claim and stated that they " verified '' that the information was accurate although I had an active fraud alert on my account. 

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ),  while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been through a lot of hours on hold and told multiple answers to same questions for some time now. I have received and email from pua clearing me of am investigation into fraud and an approval of a back dated claim to XX/XX/XXXX on XX/XX/XXXX and received a payment issue date for 21 weeks of unpaid weekly benefits. To do so I uploaded picture of me holding ID and pictures of ss # and parcel from my po box I use for mail and pics of me at post office and at post office box etc etc. I was family given a payment issued date of  XX/XX/XXXX and was in progress until XXXX of XXXX I believe and my payments for all 21 weeks were given payment # transaction # and pay date of XXXX. With trans # payment # My payment date kept going back a week to XX/XX/XXXX them to XX/XX/XXXX of XXXX two of those weeks came and gone and no payment even though my pua balence available already showed the money removed on pua portal. Bank of america must have this money and will not post it to my pre paid card. I've lost a residence and now my vehicle will be gone shortly not to mention the on going calls and questions I never get straight answers to from both pua and bank of america .I am currently basically Homless and stay with a friend and pua knows this and I only have my po box to recove my mail.

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 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
There is a hard inquiry on my TransUnion credit report from XXXX XXXX  vi for XX/XX/2020. That hard inquiry should not be on my credit report because Ive never walked into any of their branches and authorized them to do a hard pull on my credit report. I am hereby asking for that item to be deleted or removed.

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 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Somebody has been using my identity to open credit card, loans that have not been paid. There is an unbelievable amount of accounts opened, and 41 hard inquires. I seriously need your help I do not know what to do. This is insane. I do not trust anyone please help. This has made my life very difficult. I was receiving fake letters from banks that I was approved, I received credit cards that were fake and didn't work. How am i suppose to fix this, I can not believe it.

Now that I need working capital for my businesses I'm getting denied. How am i suppose to buy a house. I don't know what to do. My car is soon going to be repo because I cant get any help from anyone. Please tell me there is a way to fix this.There is phone numbers that are not mine, jobs I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Auto Trakk, LLC
State: MI

Complaint narrative:
There is an repossessed car that was fraudulently put in my name. I've asked for to be shown validation of debt on numerous occasions, but to no avail. I've sent in paperwork and police report showing it wasn't my vehicle and yet XXXX  won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against XXXX and the company AutoTrakk LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There is an repossessed car that was fraudulently put in my name. I've asked for to be shown validation of debt on numerous occasions, but to no avail. I've sent in paperwork and police report showing it wasn't my vehicle and yet Equifax won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against Equifax and the company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I never received any notification of the debt, I just happened to check my credit report and saw a collection for {$1500.00} from Sunrise Credit Services on behalf of XXXX XXXX. I paid said debt and it's still showing that it's unpaid and has pull my XXXX Credit Score down.

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 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Webcollex, LLC
State: CA

Complaint narrative:
Somebody has been using my identity to open credit card, loans that have not been paid. There is an unbelievable amount of accounts opened, and 41 hard inquires. I seriously need your help I do not know what to do. This is insane. I do not trust anyone please help. This has made my life very difficult. I was receiving fake letters from banks that I was approved, I received credit cards that were fake and didn't work. How am i suppose to fix this, I can not believe it. 

Now that I need working capital for my businesses I'm getting denied. How am i suppose to buy a house. I don't know what to do. My car is soon going to be repo because I cant get any help from anyone. Please tell me there is a way to fix this.There is phone numbers that are not mine, jobs I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I contacted TD bank multiple time to resolve this issue and they did nothing to help. I only had 1 account open and due to identity theft and fraud some how some way 5 other accounts were opened in my name that i had no Knowledge about. They forged my signature and i was told these people open this account either online or by phone. These accounts are not mine and I will not be responsible for the damage. Please help me asap with this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Avenue closed down all XXXX of its locations a few years ago. This company before it closed down I was disputing charges on credit card not about clothes but MAGAZINES. When I opened my account several years ago the store clerk offered me magazines for 3 months only as a promotion. The promotion has turned into a nightmare. Avenue is a clothing store and not a magazine store. Comenity Bank has taken over the credit card for this company that NOOOOOO longer exist. And keep raising up my balance for some magazines I never looked at. Comenity has my payment way over {$1000.00} and on what, some magazines? They have even reported I have missed my payment to the credit bureau for a company that NO longer exist in this world. Why are they charging me interested on a company no longer exist? Avenue Stores, LLC, filed for Chapter XXXX bankruptcy protection, according to court records. A chapter XXXX debtor usually proposes a plan of reorganization to keep its business alive and pay creditors over time. Now Comenity bank is working for this out of business store and charging me like they were still in existence. They reported to the credit bureau that I missed my payment and I feel that my balance isn't that high because I barely bought clothes from that store. It's the magazines charges that I have been disputing with Avenue.Chapter XXXX is intended to help businesses and individuals with significant debt. Avenue filed Chapter XXXX because they couldn't keep up with current debt payments can use Chapter XXXX bankruptcy to create an affordable payment plan. So they going to keep charging me interested after 2 years and ruin my credit rating. Comenity Bank is a fraud and should be exposed of their practices. I want to know if Avenue store is still in Business.  I'm also going to get in touch with the State Attorney general in New Jersey where they were located.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XX/XX/2020, I went to the Bank of America ATM in XXXX XXXX XXXX XXXX and withdrew {$300.00} using my debit card. I received XXXX {$20.00} bills out of the machine with no problem. One month later I see a debit of {$1200.00} from my account, I call the bank to find out why this happened and they tell me that the ATM machine that I used was found to have some {$100.00} bills in the {$20.00} bill cartridge that day. So, they assumed that I received XXXX {$100.00} bills, which I did NOT. After being on the phone for 2 hours, I was told that the only way that I could see records showing where they had good reason to assume that I received those bills was to send a subpoena to the bank. This means I would have to file a civil complaint etc. which is absurd! How am I, the customer, responsible for going through these proceedings just for them to show me the findings of their investigation?

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 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am receiving service from Experian called XXXX XXXX which I did not request. The service sends me emails about my credit every time a credit card is used or score rises for falls, etc. I never requested this service ( I get this information elsewhere, on my terms ) The email states that if I unsubscribe from XXXX XXXX I will no longer receive such emails or newsletters but yet - there is no option to unsubscribe, not in the email and there's no option on the website. There's also no email or IM option to contact the company to advise. Experian 's business hours are during my own business hours, thus I am unable to call them on their timetable. 

My complaint : if signing up for this service can be done online so should cancelling. 

I suspect, my attempt to freeze my credit led me to unwittingly sign up for this. I'm usually very careful about this sort of thing.

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 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone used my identity to open these credit card accounts

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 2020-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have been struggling with this company to remove late fees from my account, as I was taking care of myself and my family due to COVID-19 hardships. In the history of my payments, I have always been on time, but this company has been indiscriminate, without paying any attention to the transactions being posted as Late Fees on the same day as the due date. My payment due date was XX/XX/2020, being the XXXX of every month ; and they slammed me with the late fee on the same day, even though my statement closing date is XX/XX/2020, the XXXX of every month. Based on the simple principle of accounting, no late fees should have been charged and put on my account until the statement closing date. But this is not the case. They are charging {$40.00} and adding it to my balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone used my identity to open these credit card accounts

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 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone used my identity to open these credit card accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Starting in XX/XX/XXXX, I began making extra payments on my student loans FFELP through Navient. When trying to determine how to pay down the Principal on my loans to decrease the amount of interest. The selection are extremely misleading on which option will make that happen. The website has 2 options : 1 ) No, Advance my due date by the number of payments I cover. Even if you have  XXXX amount due on your billing statement, CONTINUING TO MAKE PAYMENTS WILL REDUCE YOUR TOTAL COST OF BORROWING. or 2 ) Yes, Bill me for my full monthly payment. You will be required to make a full monthly payment with your next billing statement. The statement in option # 1 " WILL REDUCE YOUR TOTAL COST OF BORROWING '' leads the average individual to believe this will decrease the amount of interest being paid for the life of the loan. After reviewing my account and how the extra payments are being applied I started online research ( 1 hour ) to determine how to make " Principal only '' payments on Navient, I found out that my selection should be option # 2. I have begun email  communication today XX/XX/XXXX to find out if my 3 overpayments  XX/XX/XXXX ( {$100.00} ), XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$480.00} ) can be applied to " Prinicipal Only ''. I'm currently waiting to hear if this can be done, since I had selected the wrong option for overpayments - due to their misleading information on the website. I corrected my option to # 2 for future payments on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Had FULL INSURANCE insurance BUT STILL Wachovia / WF put FPLI and paid commissions to employees. Would not take the $ XXXX to reinstate the loan MINUS the FLPI.

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 2020-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
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: LendingPoint Holdings LLC
State: NY

Complaint narrative:
I currently have a personal loan with lending point. I had a late payment on my account which was reported to the credit bureaus. I am currently recovering from XXXX XXXX and in my recovery time I was unable to make the payment. I have proof of my recovery and I have contacted them and got no help. I received a phone call from my other credit cards regarding my payment being almost 30days past due, never did I from lending point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is my 5th complaint about Bank of America and my Home Equity. I have been dealing with BOA since XX/XX/XXXX because I was XXXX dollars behind in payments. I have been working with XXXX XXXX for months now. Ms. XXXX sent me a letter on XX/XX/XXXX saying to continue making the payment of {$380.00} ( I have enclosed this letter ). I simply can not continue to make two escrow  payments. I am reaching out to you for the 5th time because I am afraid BOA wants to take my home or continue to charge me outrageous fees. 

On XX/XX/XXXX. I received yet another XXXX shipment from BOA saying my modification had been approved ( I am enclosing these documents ) as well and my payment would be {$130.00}. 
Also, none of the payments I made has been applied to my account. I am against closing out this complaint. I don't trust BOA. This account is over 10 years old and my balance is more than my original loan amount.

This is a reference.

( This is my 4th complaint. I have never got a resolution. I have paid over XXXX dollars to Bank of America. My next stop is litigation. " I am submitting another complaint because I could not upload all the documents ''. This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX on XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at 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 non-monetary relief