vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account was paid and closed. No further credit limit increases and or additional fees were authorized. When reaching out earlier this year to discuss this matter and to explain how Covid-19 is affecting everyone, the lady stated she was sorry and I did not have any options. The balance history and current balance are incorrect. This has done a significant amount of damage to my credit score and ultimately has affected my ability to live comfortably including finding a home for my family and I to live in during these unprecedented times. In addition to the inaccuracy of this debt, my social security number does not match the company records being reported and states there is an error when proceeding with this complaint. I hired services to investigate information located within all three credit bureaus and was notified there is an unknown social security number, misspellings of my full name and addresses that I am not nor have ever been associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FRANKLIN COLLECTIONS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have worked in public service in California universities for the last 16 years and have been crippled by educational debt while my lender continues to deny me Public Service Loan Forgiveness benefits. Though I have been paying off my XXXX loans since XXXX, and my graduate loans since XXXX, my current balance is over {$35000.00}, a balance, though 30 years old, is significantly higher than the principal I borrowed. Just this year, we were unable to secure a loan to refinance our home because of this staggering debt to income ratio almost exclusively from my student loans. 

Please find attached my letter for the CFPB Complaint Resolution Group regarding my formal complaint against loan servicer FedLoan and the US Department of Education and their failure to administrate the Public Service Loan Forgiveness Program along with attachments documenting FedLoan 's mismanagement of the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I received a copy of my " Equifax '' credit report in the U.S. mail. Yet on it was a " False '' debt notation under the " Credit Management '' section of " Page 5 of 36 '' that incorrectly stated that I owed " $ XXXX '' to some unnamed " Cable/Cellular '' company effective " XX/XX/2020. '' I have NEVER owned a " Cable '' T.V. NOR owned a " Cellular '' ( cell ) phone.

This " Debt '' is NOT mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This complaint is against Capital One Bank. I have been a customer since XXXX. I was approved for a loan from SBA for {$20000.00} dollars that was deposited into my account. This is a legitimate loan, with no issues on my application per the loan company. I have to start paying it back in XX/XX/XXXX. XXXX bank is threatening to closed my account and return the money to SBA saying they are still investigating while threatening to close my account I have other deposits in that account, my unemployment benefits. There is no fraudulent information listed on my application and no fraudulent activity has been performed on my bank account. They are refusing to give me my money. Please forward this complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

EXPERIAN did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of EXPERIAN requesting a sworn affidavit by me the consumer given Transunion written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. Transunion did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line.

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; Experian has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person ( corporation ) are an exclusion as well EXPERIAN has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. EXPERIAN is civilly liable for each action committed against me

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 2020-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of america is reporting an account in my name as an authorized user. I have tried to call them and get my name of the account. They did not want to give me any information on the account. Please delete this item from my 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 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: TX

Complaint narrative:
My mom had a checking account t with first interstate bank in XXXX Montana. She added me to her bank account. It was never my account. She passed away I. XX/XX/XXXX. Her bank account with negative and the back turned her over drafted account into a unpaid loan and put it on my credit report. I paid the amount on XX/XX/XXXX but they will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: GA

Complaint narrative:
XXXX  and transunion has a dismissed bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accuraste. I would like to exercise my ights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... XXXX rep and I call XXXX  on a conference call and they confirmed it was not there..on XX/XX/2020 XXXX  removed the bankruptcy then on the XXXX put it back on my report without prior notice which is violation of the FCRA in which they have to notify me with in five days in writing of the reinsertion. I respectfully ask that you investigate they actions and have them follow proper protcol and remove this dismissed bankruptcy from my 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 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Letters were send XXXX XXXX Letter sent XXXX XXXX Called XXXX XXXX Called XXXX XXXX Unauthorized inquiries on report already have fraud alert on report and victim of breach information keep getting they have not recieved letters and they cant do anything

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 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I purchased 2 Money orders ( XXXX & XXXX ) on XX/XX/2020 as payment toward my rent. Both money orders were made out for {$500.00} each. I dropped the Money orders in a sealed envelope Mailbox in front of XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2020. 
The Money Orders never made it to their intended destination. Instead they were stolen while in transit. I called Money Gram and paid {$18.00} for a copy of the cashed check to see where the money was deposited. The Money Orders were endorsed by an individual with a XXXX XXXX account because the account # on the check referenced a XXXX XXXX BIN XXXX. I called Money Gram back and requested they find out who had stolen my money. They told me that they are not responsible for stolen Money Gram Money orders and I needed to reach out to XXXX XXXX to get my money back. I reached out to XXXX XXXX, they told me they can not open a dispute to get my money back although they are the ones who allowed their customer to steal and cash 2 money orders that were clearly NOT made out to their customer! I just want my money back so I can pay my rent. But no one seems to have any answers or need to help me find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: AZ

Complaint narrative:
I am expecting a refund for overpayment of an incorrectly billed medical account. My insurance company advocate has been working on this and in the meantime, I have been contacted by the company who turned me in for XXXX dollars and they told me on XX/XX/2020 that they would be working with TransUnion and any other bureaus that were inaccurately reported to to have it removed from my credit. This still has not happened. XXXX of the bill is being written off, and I am told I will also get almost XXXXk back in the form of refund/overpayment. I just got off the phone with TransUnion and I was told nothing is showing up there as of today in terms of getting the XXXX $ account removed. So I tracked down the company and Just got off the phone with an agent named XXXX from XXXX at XXXX and she said they have been billing me at an address I lived at 22 years ago ( which is what XXXX XXXX was originally doing ). She is deleting this from my Transunion report, but if my credit score does not go back up the FULL 23 points that it dropped from this erroneous reporting, I need to be compensated and am prepared to file legal action. Transunion representative named XXXX told me that even if the account is deleted, my score will likely not go back up the full amount of 23 points. THAT IS NOT RIGHT and I am trying to get a HELOC RIGHT NOW and need all the points that I earned. This company reporting an account that was erroneous should not affect my score no matter what. According to my astute calculations as I study my credit weekly, it would cost {$8000.00} to raise my score 23 ponts ( by paying down balances ). If the score only comes back half of the 23 after the account is removed, then it would be {$4000.00} to remedy. I will be filing complaints against XXXX XXXX  and all doctors affiliated with serviced I had as well.

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 2020-11-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX  XXXX XXXX is reporting an account in my name as an authorized user. I have tried to call them and get my name of the account. They did not want to give me any information on the account. Please delete this item from my 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 2020-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
I have a letter of proxy dated on 1920 from my Great-grand father, in that letter he had said if his wife does not collect some documents from the Bank of New York, now Mellon Bank New York ( MBNY ), somebody else could claim to the bank the belongings deposited in the bank by XXXX XXXX XXXX with the only condition to present the letter I have mentioned and three pictures of him in a Ranch located in Texas referred by him as his property, in that letter he mentioned that claim could be presented until 100 years in order to collect the documents and his belongings from the bank. I am attaching the original proxy letter and instructions letter with his correspond certificated translation to English language, I also have the pictures and an identification of my Great-grand parent, in case you need to verify the originality and truly existence of the pictures I can fly to deliver it in NY. 

My great-grand mother, grandparents and parents never attend to these instructions in order to retire the documents. 

I was asking in the NYMB regarding these properties and due to it is an old issue they suppose that these belongings could be delivered to the NY government by XXXX, recently I was trying to track these information through the NY comptroller web site but I did not find information that exactly match with the information of my Great-grand father, and thats why now I am asking for help in order to request for these properties. 

I could also attach if you require my XXXX visa copy and my XXXX ID copy. 

Between the additional documents I have from XXXX XXXX XXXX are his baptismal faith of birth, XXXX identification, and I do not have his death certificate, but I have a letter from the XXXX army where they refer to him as deceased. 

XXXX XXXX XXXX was a XXXX during the XXXX civil war who fought against the depleted government of the former president XXXX XXXX, as he was in continue combat and sometimes had to hide himself from the enemy, in the Army files are documents certifying this situation and also they mentioned he was hurt in battle but we do not know the exactly form and conditions of his dead, we suppose due to his character of military officer and the times of war are the reasons we can not find an official dead certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo talk me into getting a credit card utilizing my own money they told me if I put up {$600.00} of my own money keep it in there 4 a year only get gas with the card at the end of the year they would give me my {$600.00} back and I will obtain the credit that's what I did at the end of the year they gave me my {$600.00} back couple of months later I received a statement in the mail saying I owe them {$600.00} I'm like what is going on that's not what you told me so now they have put that on my credit report I talked with him on numerous occasions they was sorry for the mistake that should have not happened to me they were going to take it off but unfortunately it's still on there and that's on my credit report and I want it taken off how can I owe them {$600.00} when it was my own money and they turn around and gave my money back to me at the end of the year like they said they told me they were going to close it out and they were going to fix it but it's still showing up on my credit report XXXX showing up that I owe them so they never did take her the problem like they said they were going to do and it's been over 3 4 years ago

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 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX I was notified by email that my capital one 360 checking and savings account had been restricted. 
XX/XX/XXXX spoke with an agent from the fraud department who Told me the restrictions were the result of internal flags due to XXXX XXXX loans received in my account in XX/XX/XXXX. The agent stated that I would need to provide proof of my small businesses. I spent Approx 2 hours on the line with the agent answering detailed questions about my two small businesses ( one a farm and the other vehicle repair ). The agent requested tax documents and EIN documents, which I then provided by email on the same day. I was told it would be 48-72 hours until the funds ( approx {$22000.00} ) would be available again, and that I would be contacted if there were additional questions. I re-emailed the same documents on XX/XX/XXXX and XX/XX/XXXX as I had not received a response. It is now many days later and my banking accounts are still restricted. I have no access to my money. I have employees to pay and animal feed to purchase and no response from the bank. I request the back immediately unrestrict my accounts, or send all funds to me by bank check. Capital One is improperly interfering with my money, as I continue to pay interest on my XXXX Emergency loans.

Company response to consumer: Closed with explanation