vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.

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 2021-06-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: TN

Complaint narrative:
After numerous disputes, XXXX 's mailed me a letter dated XX/XX/XXXX, stating they will instruct all three credit bureaus to delete the reference account XXXX from all three credit reports. I have contacted since contacted XXXX 's and opened numerous disputes, in which the account has not been deleted as of 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 non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I called XXXX  and Equifax customer service I Informed them that I had some unknown negative inquiries on my report that I needed removed Immediately. I was put on my phone with Multiple customer service reps and supervisors letting me that the inquiries would be removed in 72 hours which was False information which is why I am now putting in this complaint because I need these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Upon reviewing my credit file I have noticed that there has been reported multiple inquires that I have not authorized. I was never contacted nor did I ever agree to any of these fraudulent inquires for any of the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Please remove these inquries from my credit file.

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 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc
State: SC

Complaint narrative:
XX/XX/21 - Insisted they have been trying to get in contact with me when i personally never received a call from them. The called my place of work, my father-in-law and mother and father. Instead of contacting me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: TN

Complaint narrative:
On XX/XX/2020 I noticed fraudulent transactions on my Way2go child support card. I contacted the company and filed a claim for the accounts listed below. On XX/XX/2020 the company issues me a provisional credit in the amount of XXXX until the investigation was completed. After several deposit from TN Human Services, I noticed Way2go was taking each deposit. I later received a letter in the mail, stating they did not find any fraudulent transactions. I contacted the company again asking for another them to investigate it again, because I knew those transactions were not made my me or with my consent. The representative stated, that it wasn't anything that could be done. 

These are the transactions I disputed XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  - XXXX XX/XX/2020 XXXX XXXX - XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX  - XXXX XX/XX/2020 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
my income was lost due to Covid-19 ... .. the mortgage company put me in the forbearance. program ... I year later i was told my loan does not qualify for any type of forbearance. 
My property is in XXXX XXXX NV - city that was hit the hardest- I have filled many mortgage assiistance application only to to be denied. Im Working now requesting assistance and still having problems with my mortgage co. I have owned my home for 25 years.. what happen to HELP.. NO ASK FOR A PANDEMIC ... folks are losing their homes and its not fair ... 
My complaint is with Carrington Mortgage!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TN

Complaint narrative:
After numerous disputes, XXXX 's mailed me a letter dated XX/XX/XXXX, stating they will instruct all three credit bureaus to delete the reference account XXXX from all three credit reports. I have contacted since contacted XXXX 's and opened numerous disputes, in which the account has not been deleted as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CITIBANK, N.A.
State: TN

Complaint narrative:
After numerous disputes, Macy 's mailed me a letter dated XX/XX/XXXX, stating they will instruct all three credit bureaus to delete the reference account XXXX from all three credit reports. I have contacted since contacted Macy 's and opened numerous disputes, in which the account has not been deleted as of 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 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received XXXX emails today from XXXX LVNV Funding regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXXXXXX XXXX. 

I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. 

It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. 

The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My wife called Mr. Cooper, our mortgage company, several months back, during the height of COVID, I believe to set up automatic payments, but while on the phone they sold her on the idea of accepting their Forbearance plan. They sold it as something they were offering their clients to help during this financial crisis during COVID. An opportunity to skip several payments and then make those payments after the original life of the mortgage at no additional cost throughout the life of the loan, a deferment. Now the forbearance period is over, they are harassing us and trying to intimidate us into signing a loan adjustment, that would potentially add $ XXXX to the life of the loan. When I search for Mr. Cooper 's Forbearance plan online, I find the following : https : XXXX It claims there are four possible methods of repayment. The deferral that was sold to my wife, and three other methods not mentioned to my wife including the aforementioned loan modification, a reinstatement ( pay all missed payments up front ), or a repayment plan ( pay missed payments over several months ). 
They are calling me several times everyday trying to get me to sign this loan modification, costing us an additional ~ $ XXXX, or the reinstatement. They will not honor the deferral option promised to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
these accounts don't belong to me. Please remove them from all 3 credit reporting agencies.

Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft CAPITAL ONE / SAKS F Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain financing.

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 2021-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Company XXXX XXXX XXXX XXXX XXXX via Synchrony Bank lowered my limit on XXXX from {$2500.00} around XX/XX/XXXX without notifying me of the change. The only way I knew what happened was getting a notification from a 3rd party about my credit limit changing. Nothing was wrong with my account at this time. Payment history was perfect, I was not even close to the balance limit of {$2500.00}. I have statements from XX/XX/XXXX for the balance showing {$970.00} and XX/XX/XXXX for {$960.00}. 

Why did you lower my limit without informing me? 

My account was further closed without informing me, despite not missing a payment. 

I have as of XX/XX/XXXX paid off the remaining balance in full as I was receiving 3+ phone calls minimum per day from Synchrony at all hours.

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 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am a member of this bank with member number XXXX ... My account was frozen for the past 4 weeks ... I was asked to submit verification documents which I already did. Whoever is in charge has been making it his personal mission to frustrate me. I do believe that this is a deliberate attempt to make me suffer. I have money for my business and bills in the account. I submitted all original documents I was asked for but it seems i am being pushed around and taken for granted. I don't have my SSN card which isn't unusual for some Americans. I have provided a picture of my Driver 's license, passport, W2, form 1040, Electricity bill, IRS tax notice. I have all physical proof of this documents and is willing to do a video call to show whoever is in charge to unfreeze my account. I need my money and its a matter of life and XXXX for me.. I believe someone might see this and definitely help me out. My unemployment benefits are deposited into the account along with direct deposit transfer from my VA debit card.. If they won't let me use my account anymore with PenFed, I should be able to get my balance through a check and have the account closed down. I have not done anything wrong while being a member. 
This is a plea from a lonely old woman who don't want to become homeless because someone wants to play 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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was denied a mortgage loan today ( XX/XX/XXXX ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from XXXX because it was the middle score among the 3 scores : XXXX from XXXX, XXXX from XXXX, XXXX from Equifax. The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from XXXX ( XXXX according to the bank ), XXXX from XXXX ( XXXX according to the bank ), XXXX from Equifax XXXX XXXX according to the bank ). The XXXX, on their website, displayed XX/XX/XXXX credit score whereas others indicated their score were as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was denied a mortgage loan today ( XX/XX/XXXX ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from XXXX  because it was the middle score among the 3 scores : XXXX from XXXX, XXXX from Experian, XXXX from XXXX The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from XXXX ( XXXX according to the bank ), XXXX from Experian ( XXXX according to the bank ), XXXX from XXXX  XXXX XXXX according to the bank ). The Experian, on their website, displayed XX/XX/XXXX XXXX XXXX whereas others indicated their score were as of 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 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: MI

Complaint narrative:
I opened a prepaid account with XXXX XXXX they will not release funds on the card because it was from my boyfriend 's unemployment check. I have had paperwork noterized sent mail with updated address everything they asked. Mean while they are taking out monthly fees they charge while my account is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation