vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
My social security number has been stolen and is circulating on the deep web. I have reached out to Bureau of Medical Economics and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the XXXX XXXX because some how my information got out and someone took advantage of it. I haven't been to the hospital since I was a child. I am looking to get this collection account removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30 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: MS

Complaint narrative:
XXXX ; XXXX XXXXnd Transunion are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I  have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I  have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Every credit card company has suspended payments during the corona virus quarantine, but citibank. They are not helping their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30 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: CORELOGIC INC
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX XXXX Please remove the following employers : XXXX XXXX XXXX XXXX XXXX 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 2020-03-30 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: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX XXXX. Please remove the following employers : XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, I asked Wells Fargo Bank to look at re-structuring my mortgage loan. I had enough equity in the house to pay the balance and wanted to access said equity to pay off my loan. ( I have been XXXX   XXXX since XXXX. ) The very first time I was ever late on any loan payment. 
The Wells Fargo would say they would send me a form and I wouldn't get it.. They played games with due dates of documentation, etc ... .They would change principal points of contact so that no one ever seemed to know why I was asking for help. 
I finally decided that I would not physically be able to maintain the property, and Wells Fargo was stretching me out. I sold the property in XXXX of XXXX and we closed, paid off Wells Fargo on XXXX XXXX. Wells Fargo is reporting that they started foreclosure proceedings on XX/XX/XXXX. I had already moved out. I never received anything from Wells Fargo saying they would/would not restructure my loan. I never received anything from Wells Fargo saying they wanted to foreclose. They are negatively reporting credit information, preventing me from buying a new property.

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 2020-03-30 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XX/XX/XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX   XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX  XXXX. Please remove the following employers : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX  : Does not provide a way to get a free credit report. 
I have a notice from a bank with questionable information reported by XXXX  -- and they require you join a membership for a fee of {$7.00} to get a credit report. There are no links or information on their website about getting a free report -- whether the annual one or in response to an event. 
There is no way to effectively content them to request one, either. 

In an effort to get to my report, I tried going to the File a complaint section to dispute something. The text on that form was so exceeding small I was barely able to read it -- and the construction of the site -- miniscule 6 point text crammed into a box with tiny little boxes to enter data -- was designed to ensure no one could actually complete the form. 

I work in XXXX  XXXX  XXXX  -- having worked on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- and I can attest that these are all active executive decisions -- type doesn't just show up unreadable and forms unusable. This is a passive aggressive strategy to discourage and disable people from correcting errors on their credit reports. 

Also -- the forms and websites are in violation of the Americans with Disabilities Act. 

Equifax : Does not provide a free credit report Although there is a method of requesting the report, once you complete all the information, you get a message that they can't produce it at this time. You're at a dead end, and advised to call customer service. 
I've been on hold with customer service for over an hour. 

Equifax also offers to provide all 3 agencies ' reports -- but offered no way to do that within the online interface -- so that's just false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: NY

Complaint narrative:
These are not my 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 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Consumer Reg E Violation by TD Bank I opened a new savings account at TD Bank located at XXXX XXXX XXXX in XXXX XXXX with bank representative XXXX XXXX and the following events occured : - On XXXX account initially opened with {$25.00} and my incoming the rep that I would make a {$5000.00} deposit the next day. At account opening I stated I did not want an ATM or Debit Card twice, however on the third ask, I conceded and told the rep she could issue me a ATM only card with no debit capability. 

-XXXX {$5000.00} check deposit made. 

-On XX/XX/20 at XXXX XXXX  I received a fraud alert by text from TD Bank that there was an attempted withdrawal in the amount {$760.00} from my account. Upon speaking to TD Bank representative I was informed that three prior withdrawals of {$760.00} each were already made - which I did not receive a fraud alert for. 

-The ATM card never arrived to my residence in the mail. 

-Three withdrawals totaling {$2200.00} were taken from my account at TD Bank located at XXXX XXXX XXXX XXXX XXXX follows : XX/XX/20 at XXXX XX/XX/20 at XXXX XX/XX/20 at XXXX -Once alerted of the above I filed an ATM claim # XXXX on the same day ( XX/XX/XXXX ) -On XX/XX/XXXX upon calling TD myself I was informed that the claim was declined. Subsequently I filed a new ATM claim # XXXX and informed the representative that I would be filing a police report. 
-XX/XX/20 Police Report Filed -On XX/XX/20 ( Saturday ) upon receipt from the XXXX, I forwarded my police report to the regional manager XXXX XXXX and Assistant Manager XXXX XXXX. 
-XX/XX/XXXX Monday morning I received a call from XXXX XXXX informing me my claim was declined again based on the correct PIN code being used. Keeping in mind that I never received or activated a TD Bank ATM card or otherwise. 
-Ms. XXXX stated she was reopening my claim on XX/XX/XXXX. I am awaiting the requested claim number. 

-I communicated to the Bank that I believed my personal information was compromised at TD Bank itself and that my PII was not protected by the Bank as it should be. 

-I asked the Bank to provide me with the phone number used to PIN the ATM card, but was not accommodated. I asked the Bank to pull the video of the withdrawals being made, but was not accommodated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I used my Direct Express Card at a XXXX XXXX  drive-thru ATM to withdraw {$800.00}. It did not dispense my cash and on my receipt it clearly state that it can not dispense my cash at the time. I have called Direct Express and XXXX XXXX  every day since the transaction and have gotten nowhere. I have called Direct Express and they gave me a fax number to send them a letter in any kind of proof. That was faxed to them on the XXXX of XXXX with proof of a receipt stating it did not dispense my funds. Anytime you call Direct Express you get hung up on or they tell you you have to wait 90 days. Why should I have to wait 90 days when I showed them proof that XXXX XXXX statement clearly states that it did not dispense my money I don't understand why I can not be credited back my {$800.00} which is for my rent on the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30 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: LA

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers ****XXXX  ; XXXX ; XXXX ; XXXX ; and XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MT

Complaint narrative:
I am filing a complaint against Loan Depot .com LLC. The following is a letter I emailed to them about my horrific experience. They made a credit check and a loan application for me which was not requested or asked for. They sent my personal information through the mail twice without a reason or consent to do so. 
I called the company on XX/XX/2020 and told them of my complaint and they mailed me a second loan packet instead of removing my information as I had requested. This company is fraudulent and should not be allowed to deal with the public. 

Loan Depot President, I called for a quote on loan mortgage rates only!!! I had the unfortunate luck of getting XXXX XXXX on the phone. 

I told her we only wanted a rate quote and she took my information and it took sooooooooo long that I almost hung up on her several times. 

She not only took over an hour of my time on the phone, but I receive in the mail a huge loan package. 

I was not making an application for a loan. Only trying to get a rate quote. 

I am so livid that she ran our credit and then has since sent me two huge packets in the mail with all of our personal information inside. 

Wow, what a waste of my time and paper, and putting my personal information at risk. I can't even tell you how angry I am at loan depot and XXXX XXXX. 

Remove my credit score run immediately and remove all of my data from any and all of your information storage. 

My name, number and information better not be sold or get leaked to anyone. 

I am also filing complaints with the XXXX  XXXX XXXX  and all the credit outlets. 

So Angry and Upset XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Branch offices closed due to virus in XXXX XXXX XXXX XXXX Residents about half of whom are over 90 using atm for the first time. The interface on the atm default process for deposits is express cash which has a 2 % fee for immediately available funds. Fee is disclosed and an option for standard availability is available. However few residents are sufficiently fiscally aware to understand that choice. 

I asked the bank to remove the express cash option for our community. They declined. 
I asked the bank to send out a letter to customers offering an opt-in for the feature. They declined. 
Our residents are generally are on fixed incomes or have portfolios that have lost significant value. At the very least PNC should refund any fees that are charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA REFUSES TO RESOLVE TRANSACTIONS OF 
XXXX XXXX - XXXX XXXX   FOR TWO YEARS NOW see Attatched USAA statement XXXX XXXX transactions card end XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TOTAL XXXX DUPLICATE TRANSACTIONS XXXX XXXX XXXX  card end XXXX   TOTAL XXXX 2XS ????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: NY

Complaint narrative:
These are not my 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 2020-03-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted Equifax on XX/XX/2020 in order to try and remove my security freeze. I was on hold over 1.5 hours and no one answered. I am currently on hold 1 hour and 40 minutes. My online account is locked and they refused to unlock my account even though I verified my information. I asked the representative to verbally asked me the questions because the automated voice is hard to understand, which probably caused me to probably be red flagged. The agent refused. I faxed my request and also mailed my request. This is ridiculous because I'm sure it's not that many people calling to unfreeze their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had previously submitted disputes in regards to a bankruptcy being reported on my credit report. In those letters I submitted copies of my credit reports from all 3 credit bureaus with the inaccuracies and incomplete  information on each one.They failed to acknowledge the documents I sent. They failed to show proof that the bankruptcy belong to me. The only keep providing a case number and the address of the bankruptcy court. I requested on numerous occasions to verify it belongs to me. I requested how they verify their incomplete and inaccurate information. I was told by one of the credit bureaus that they in fact get information from a XXXX party source such as XXXX. Which under the FCRA they are suppose to gather complete and correct information from the furnisher which would be the Bankruptcy Court.  None of the credit bureaus could produce the amount of money in my bankruptcy, my full name, full social security number and address. If I filed bankruptcy it had to be a reason right? I have to have accounts associated with this alleged bankruptcy. I contacted XXXX and requested them to show how they verified the bankruptcy. I was told by a representative of XXXX over the phone that they get their information from the Bankruptcy Court. I got a letter from Bankruptcy court stating they do not give personal information to third parties and I will attach this letter with my complaint.

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