vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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 collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$2000.00} XXXX XXXX {$2700.00} XXXX XXXX {$2100.00} XXXX   XXXX {$5900.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00}

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 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Not able to link bank account with XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: NJ

Complaint narrative:
Around XX/XX/XXXX I was contacted by XXXX to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  in XX/XX/XXXX reported me as late for 30 days. I've contacted XXXX and they said that I never replied to the email so I wasn't in the program. The letter states that : 1. We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days. 
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and XXXX would've contacted me about my late status. None of this happened. I've contacted XXXX and they said they would not help me and the reporting agencies only go back to XXXX and use them as the source of truth.

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 2020-07-08 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: NJ

Complaint narrative:
Around XX/XX/XXXX I was contacted by XXXX to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  in XX/XX/XXXX reported me as late for 30 days. I've contacted XXXX and they said that I never replied to the email so I wasn't in the program. The letter states that : 1.  We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days. 
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and XXXX would've contacted me about my late status. None of this happened. I've contacted XXXX and they said they would not help me and the reporting agencies only go back to XXXX and use them as the source of truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: NJ

Complaint narrative:
Around XX/XX/XXXX I was contacted by XXXX to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  in XX/XX/XXXX reported me as late for 30 days. I've contacted XXXX and they said that I never replied to the email so I wasn't in the program. The letter states that : 1.  We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days. 
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and XXXX would've contacted me about my late status. None of this happened. I've contacted XXXX and they said they would not help me and the reporting agencies only go back to XXXX and use them as the source of truth.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: CO

Complaint narrative:
applied for credit card with XXXX to save on buying appliance was turned down when the letter came 7 days later explaining why it states I am deceased. I am quite alive and working. This is a very poor company that can not see dead people do not go to stores and buy appliances cut rate company very disappointed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I keep on receiving callas about a debt that paid by XXXX. I submitted proof to this debt collector that this was paid and that I was in fact covered under XXXX during the time of her service. They continue to call me 5 times a day every day. It is abusive and they have the incorrect information. This bill was for my daughter. Please have them stop calling me. They never sent me a debt validation letter as requested.At this pointy I believe this is fraudulent and they are trying to collect money that was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am trying to pay off my mortgage with Wells Fargo Mortgage and they refuse to provide my wiring instructions through a secure portal. I asked to speak to a supervisor ( XXXX ) and she offered to provide them verbally but will not send them through a secure message on the portal. This is unacceptable as if anything is wrong it will result in delaying or losing a large sum of money.

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 2020-07-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I had a membership with XXXX  XXXX in XXXX, CT. Because of health problems I requested cancellation of my membership by sending a certified letter per their instructions. This was to cancel as of XX/XX/2020 I received a charge against my VISA credit card for {$210.00} on XX/XX/2020 from XXXX   XXXX. Since the facility is closed I am unable to contact them. I have tried to contact Barclays VISA about the disputed charge. I faxed them and mailed them on XX/XX/2020 my dispute but have not received any acknowledgement. I have tried to call but they only accept disputed charges through fax or the mail. I have been on hold for over two hours with no one picking up. 

Please advise what I need to do to stop this charge. 
Thank you

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 2020-07-08 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-07-08 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-07-08 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 act. 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. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app is holding my money and locked my account. Ive been sending e-mails for 4 days now and no response. From what Ive heard from other people is that they lock the account and keep the money. I cant even pay my bills or buy food!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
On XX/XX/2020, mortgage solutions of Colorado denied my request for mortgage. The stated reason was for DTI die to debts from a non-borrowimg spouse. These debts were accrued prior to the marriage and under Texas Family Code Chapter 3 Sections 3.201 and 3.202 I the borrower am not liable for the debt. I believe it is improper and illegal under Texas state law for the lender to attempt to deny the loan under these conditions. I am demanding the loan be cleared immediately and funds issued a o the title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My mother was scammed. She was told by someone she knew he would assist her with purchasing property in Florida. In XX/XX/2012he had her deposit 3 separate transactions from her account into his. Shortly after she informed him that she changed her mind but he claimed he already utilized the funds and would need some time to return it. He continuously asked for extensions. My mother being the nice person that she is would oblige. It's now been 8 years and more than obvious that he has no intention on returning the funds. My mother and I called the bank to find out the full account number, name and to determine whether it was a business or personal account, all information we need to provide to our lawyer. She's doesn't recall from memory. We also wanted to inform them of the crime so they can take the neccessry steps to prevent him from doing it to someone else. He's clearly a liability. The representative stated the information could not be located because it's been more than 7 years. What's puzzling is the representative couldn't even go past 5 years. Additionally, being someone who is familiar with how banks operates. I'm not quite sure this information is accurate. There should be a research department that can retrieve this information. Please see the attached receipts of the 3 transactions.

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: TX

Complaint narrative:
My card was stolen XX/XX/2019, I asked for a replacement card and I was told I was a payee I need the other person for the replacement card that person is no longer needed as a representative payee for my SSDI and I can't get ahold of that person.. I needed my card sent to me for the remaining balance of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019.Direct Express They wouldn't even let me change my address.. Social Security Administration told me to call Direct Express and request my running balance in a new card but I can not get a hold of them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
My wife and I obtained a {$30000.00} HELOC from XXXX XXXX on or about XX/XX/XXXX. On or about XX/XX/XXXX, XXXX XXXX sold the loan to XXXX XXXX. ( see letter from XXXX XXXX, attached. ) Contemporaneously, XXXX XXXX transferred the servicing rights to Rushmore Loan Management. ( see letter from Rushmore Loan Management, attached ). 

On or about XX/XX/XXXX, my wife and I applied to refinance the HELOC with XXXX XXXX ( now Truist ). As part of the underwriting process, XXXX had a third-party vendor run a title search on our property. The title search revealed that on or about XX/XX/XXXX, XXXX XXXX recorded a lien against our property in the amount of {>= $1,000,000}. ( see attached email from XXXX, with title excerpt. ) The only secured loan that we have ever obtained from XXXX XXXX is the {$30000.00} HELOC ( though we have an unsecured credit card with them as well ). XXXX XXXX has never sought or obtained a judgment against my wife or me of any sort, let alone for $ XXXX. XXXX XXXX has no basis for encumbering our property with a $ XXXX lien. 

XXXX understandably refuses to complete the refinancing process until the $ XXXX lien is removed. I have sent written requests to XXXX XXXX, XXXX XXXX, and Rushmore requesting that they remove the lien. I have not heard back from any of them, and to my knowledge my property is still encumbered with a $ XXXX lien. 

I would like to resolve this matter expeditiously and out of court, so I am once again asking that the lien be removed from my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. 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. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}

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 2020-07-08 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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. 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. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}

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 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Deposited a check from my Credit Union for PPP Loan proceeds via " mobile deposit '' to my Fifth Third bank account on business day of XX/XX/20. The funds are not available on the account today XX/XX/20. Contacted Fifth Third customer service line. First contact I was told that the contact they had made to the maker of the check indicated there was a possible issue with the funds being available. The maker ( CU CEO ) then was contacted by me and told me there was not an availability issue and made herself available to intercede with Fifth Third on my behalf to resolve any question regarding funds availability for the check. Second contact with Fifth Third customer service line I was told a second story - that the hold was essentially established due to the large value of the check, {$5100.00}, and that it was a mobile deposit. I was told that I should take the original check used for the mobile deposit to my branch that the branch manager would ( at their own discretion ) be able to complete the deposit / release the hold. This also turned out to not be the case as I found when I went to the branch with the check the branch manager simply stated that she did not have the authority to release the hold. The branch manager stated she was contacting " corporate '' via her workstation - their response was then, per the branch manager, to deny the release of the funds.

I am a small businesses owner, I applied for the PPP loan to attempt to keep things together and my bank is giving me misinformation and bad information regarding this important deposit while holding the funds that were written on a valid financial institution 's paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This account is an old account started in XX/XX/XXXXbut closed in XX/XX/XXXXbalance {$5300.00}. This account is more than 9 years old from Home Depot. At this time the 3 credit bureaus are showing that this account is active as of XX/XX/XXXXwith XXXX XXXX on my XXXX  credit report. In actuality, on the other credit reports there is proof that this the amount of this debt was lowered and closed as of XX/XX/XXXXby Home Depot. Home Depot stop credit reporting this account as of XX/XX/XXXXand passed it to XXXX XXXX. I have not heard from XXXX XXXX or Home Depot please remove this debt from all bureaus and add the points FICO points back to my credit score accordingly.

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 2020-07-08 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX  XXXX {$2800.00} XXXX   XXXX {$8800.00} XXXX XXXX {$520.00} XXXX   XXXX {$3800.00} XXXX XXXX {$19000.00} XXXX  XXXX {$4000.00} XXXX XXXX $ XXXXDPTEDXXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
This is collections account for XXXX XXXX XXXX services, the account appears to have been sold to a collections company by the name of Enhanced Recovery Company. This debt was taken care when I went to XXXX  to return their equipment and pay the remaining balance owed. So I do not understand why this is being reported at a debt with a collections company, but my debt is paid in full, and Im requesting all the credit bureaus update my credit profiles in their system by removing this company as a collections from my credit profile accounts with each credit reporting agency or bureau. If it is not removed I will continue to dispute the validity of this satisfied debt which has been paid in full on a monthly basis until it has been done so.

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