vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: AL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  {$560.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX   XXXX XXXX/XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX {$560.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX   XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX {$560.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-06-30 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: Freedom Mortgage Company
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
XXXX XXXX XX/XX/2019 2019

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 2020-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
Re-certified for the second year of PSLF. Received update stating only two months of the 12 months qualified. I called FedLoan on XX/XX/20 and spoke with a representative who told me the previous representative was incorrect and a reConsideration into my case will not happen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit 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 2020-06-30 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I was setting up a XXXX stock trading account. PNC would not allow me to link my bank account so that I can transfer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Hello. I requested a two-month suspension on my home mortgage from Wells Fargo after contacting them at the end of XXXX, over the phone. I was told I was eligible for forbearance for my XXXX and XXXX payments and to call back mid-XXXX  to request a deferment/extension of my loan. 

XX/XX/20 : I tried to request deferment through the Wells Fargo automated phone service and was given a response that I would be contacted within 7-10 days to set up. 

XX/XX/20 : I received my statement with a note that my mortgage payments were suspended " for a period of time ''. 

XX/XX/20 : I called XXXX and was left on hold for over 40 minutes until I had to leave the call. 

XX/XX/20 - I sent two emails through the Wells Fargo website asking for instructions and/or help on requesting a deferment. No replies were received. 

XX/XX/20 : I called XXXX - After an hour on hold my call was picked up. Over the phone with the representative I set up a deferment for XXXX, XXXX, and XXXX, but I was told no written information could be sent to me about the agreement, through a letter or email. So the company will not provide any information that I can read or keep for my records explaining the changes to my loan payment. 
Supposedly the representative will enter " log codes '' on XX/XX/20 that will start the forbearance and I will start making regular payments starting for 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 2020-06-30 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: AL

Complaint narrative:
XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX  {$560.00} XXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX {$560.00} XXXXXXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX  {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX {$560.00} XXXXXXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: TN

Complaint narrative:
US Bank and Elan Financial Services have created a website that does not work, and they also have a phone system that transfers victims ( customers ) through countless departments, on-hold time wasters, and people who can not do everything needed ... resulting in more transfers. It's like, seriously, does US Bank or Elan Financial Services PAY people to create the most burdensome XXXX XXXX customer service procedure so victims just give up and throw away their joke reward debit card? Unbelievable a bank in the USA would treat victims this way.

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 2020-06-30 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I spoke with 3 different associates at GM Financial, then spoke with a manager. They informed me that they have not been reporting to the credit bureau 's since XX/XX/2020, when Covid hit and they told me even today XX/XX/2020 when I spoke to the manager that they still are not reporting. I assured them that someone is because it shows up on, my report and delinquent past 30 days for both XXXX and XX/XX/2020 with 3 different credit bureau 's. 

I am in the process of trying to adjust my finances and this is affecting my score a lot. They told me that they could not call the credit bureau 's to fix the problem. 


Bottom line I need it to reflect on my credit report that I am not delinquent with GM Financial and am in  good standing. I have attached supporting documents as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Contacted CapitalOne on XX/XX/20 to advise of fraudulent activity from an XXXX XXXX XXXX  in XXXX, XXXX in the amount of {$350.00}. I did not authorized a charge from this company. I did not order goods or services from this company. I haven't even traveled outside the U.S. in over 15 years. I have not had a valid passport for at least 10 years. It is not possible for me to have purchased from this company. Many sources online advise this is a scam company. CapitalOne confirmed on recorded call occurring XX/XX/20 that the company 's website DOES NOT EXIST but that CapitalOne will be holding me accountable for fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK

Complaint narrative:
I was just called by an automated system on XX/XX/XXXX at either XXXX at XXXXCST or  from XXXX at XXXXCST and stated a complaint had been filed against me, gave me the account # # XXXX and that I needed to call them. at XXXX. 

I called and a gentleman ( putting it kindly ) by the name of XXXX XXXX essentially said are you " my name '' and I said yes. He stated I owed {$440.00} to " Ace Cash Express '' and I said who is that. Then he basically berated me for about 45seconds without me saying anything then told me I'm suing you for over {$2000.00} in court or pay me the $ 400+ amount and hung up.I didnt even have a chance to say okay I'll pay. Even though I dont know who this gentleman is. 

I've called the Ace Cash people and they dont have any knowledge of it. I'm not sure what to do. I have a good job, make decent money and can afford to pay it if I owe it. However, I dont know what this if for. I've never received a bill or any documentation. If I owe a debt I have no problem paying for it. The only debt I currently have is my mortgage and student loans. My XXXX and XXXX are paid and I'd like some help figuring out what to do. I wont use the words he used but this really upsetting. XXXX XXXX number is XXXX I do remember getting a payday loan back in the early XXXX 's era but paid that. 

I would appreciate any assistance you guys can provide me. Many Thank, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
information in correct

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 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Usaa has blocked my access to manage and maintain the loan. I reduced my scheduled payment. Once they give me my access to the loan back I will submit more payments. USAA has deceptive and unfair practices. Their banking division needs to be looked into by federal authorities. I can see how blocking access to an account to the account holder is legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello Due to covid 19 I lost my job XX/XX/2020, I applied for unemployment benefit and was approved, I was told that they will send me a bank of America card within couple of weeks, I patiently was waiting until XX/XX/2020 until I called the unemployment department and I was told that they already sent my card so they refered me to bank of America to see why it was delayed, I called bank of America on XX/XX/XXXX to see why is the delay only to find out that they already sent it even though I never received nothing from them and on top of that the card been used and activated without need of pin code and was charged over 12000 dollars from my money : ( B.O.A stopped the card and send me a new card with no money and they say they will open investigations with all the charges until now I still didn't get my stolen money I filed a police report in XXXX county sheriff department in California XX/XX/XXXX the 2020 report # XXXX I opened a claim with bank of America # XXXX XXXX XXXX XXXX on XX/XX/XXXX haven't heard nothing yet I ve been waiting patiently for my unemployment benefits to pay my mortgage and now I am still waiting for bank of America to pay me back since they compromised my card i need some help and attention since I haven't got paid since XXXX of 2020 My name is XXXX XXXX XXXX phone number 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 monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
There has not been closure to my complaint number XXXX in spite of the bank asking me to contact their executive office, which I did and my sending to them a notarised copy of instructions and signature. All this was done long before any shut downs due to Covid-19. The executive office number always goes to voice mail but never any reaction from them. The general number of the bank tries to be helpful, but all they can say is that it is being dealt with by the Executive Office. if only. Can you help and try and get closure? Before my XXXX birthday in XXXX I would like to see an end to this sorry affair. 

Thanking you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NQM Funding, LLC
State: FL

Complaint narrative:
We started working with XXXX XXXX from Mortgage of Florida, NP, Inc around late XXXX. 
On XX/XX/XXXX My husband and seller signed a contract and We transferred an agreed $ XXXX deposit. 
We immediately started working with Mr XXXX and on more or less XXXX XXXX I became a party to the application. They pulled my credit which was acceptable at the time for an fha loan according to the loan officer and the pre approval letter. 
There was a situation with my husband and his accountant where he thought his taxes were filed but they werent. Once We found out they werent my husband immediately filed them. Though taxes were extended because of covid 19, loan officer told us we had to file his taxes for the fha loan. 
We provided everything immediately. Loan officer asked for more time and extending the closing dates three different times. 

Apparently with all these things with covid 19 issue we went over our effective date we wouldve had the approval. 
We were not instructed to provide a letter to terminate the contract to the seller- assuming that everything was kosher. 
At some point, the loan officer dragged his feet through the covid 19 and requesting note and more documents. 
On XX/XX/XXXX ( 10 days after our closing date ) the loan officer said something changed on my credit and they changed their guidelines and that why we didnt get approved. 


Because we were misinformed by both the loan officer and the realtor, we lost our $ XXXX deposit to the seller. We suffered tremendously with this company as we were never given answers to our questions in an appropriate manner. 

We lost all of this and time while XXXX with a XXXX year old. They left information out, didnt tell us entirely the truth, and changed their guidelines after our closing and didnt inform us until it was too late to pull from our offer. We had to give up our deposit of {$5000.00} which is not right. We are first time home buyers. We put our trust in the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
I received a change in terms email from Paypal. There was a link with the changes which I went to. I did not agree to the changes, which appeared to make it easier for Sellers to avoid chargebacks and returns through Paypal. I responded to email, which was returned as NO REPLY. I then went to the Paypal website to close account, which was not possible. Contact pages do not work. So, I called their number and could not speak with a human. A computer answered and the greeting options had no provision for closing an account. At the end of the long loop of options, Paypal said they could not proceed and suggested I return to their website to get the information I needed, which is impossible. It is clear this company does not want to communicate with their customers and will not close an account even when customers choose to do so after they change terms of the agreement for using their services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I requiring to review Fraudulent accounts in credit report which I found out recently. All of these accounts were opened not by me and without my permission, without any signature. Please remove them as soon as you can because they are destroying my credit history. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation