vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: EQUIFAX, INC.
State: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked to see a bankruptcy. This suspicious item is not mine. Please remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: FORD MOTOR CREDIT CO.
State: UT

Complaint narrative:
Ford Credit reported my account 30 days past due in XXXX or XX/XX/2019 even though I had made arrangements to pay half at one time and the other half to follow. I was only late on half the payment they agreed to extend briefly. It was paid as agreed on. When I called, I was told this entry would be removed, but when I dispute through CFPB nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked to see a bankruptcy. This suspicious item is not mine. Please remove it 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 2020-04-02 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked to see a bankruptcy. This suspicious item is not mine. Please remove it 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 2020-04-02 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: EQUIFAX, INC.
State: TX

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. 

XXXX XXXX XXXX {$1400.00} XXXX   XXXX XXXX  XXXX {$1500.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX {$210.00} XXXX XXXX XXXX {$460.00} AR CHILD SUPPORT ENF  XXXX {$97.00} XXXX   XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Based on the coronavirus, my husband and I are both unemployed and living in NY. We have had two mortgages since XXXX and never had a late payment. 
During this pandemic the governor instructed mortgage companies to place mortgages into forbearance without penalties. Upon calling my mortgage company I was instructed with minimal information or assistance to apply online. After receiving paperwork standard for foreclosure, which does NOT apply to me, I was assigned a case worker with no contact extension. I then called the general line and after a 90 minute hold I was told that I would be granted the forbearance and then on XX/XX/XXXX I would be expected to pay one lump sum of FOUR mortgage payments at which time I could then call back to discuss any other options like foreclosure. 
I contacted the governors office, the financial dept in which I filed a complaint and finally your agency which advised this method of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regarding a Walmart Credit Card XX/XX/XXXX - Purchase food in XXXX, Ca. store using Walmart credit card. 
This is the final purchase made by me or any authorized using Walmart credit online or instore. 
XX/XX/XXXX Received letter from Walmart instructing that account would henceforth be administered by Capital One. New card to be forwarded Received standard billing in mail for account ending. Balance XXXX due. Amount agreed to. 
XX/XX/XXXX billing with new credit card number listing fraudulent purchases. Contacted Walmart to advise never received new credit card and to freeze account and investigate purchases. 
XX/XX/XXXX - Received letter from Capital One stating their investigation found insufficient evidence of fraud. Called them immediately to dispute again, please provide details to me regarding how purchases were made : online or in store, provide information why account was not freezed and additional purchases and cash advances were made.

XX/XX/XXXX received letter from Capital One Walmart advising error to be corrected and no additional action needed on my part. 
XX/XX/XXXX - Billing received. Acct. Balance XXXX XX/XX/XXXX - Letter received ( again ) from Capital One Walmart advising " rest assured errors corrected ... '' XX/XX/XXXX - Billing received showing Balance of XXXX To date, my account has never been reactivated by me, and no evidence of fraud provided by Capital One or Walmart to explain to me how my card was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX  XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX  XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit  report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one credit card co. Sent me a renewal annual fee for there XXXX XXXX XXXX so I called them and told them that I wish to cancel this card. Capital one representative suggested that I switch to a card with no annual fee however they are still charging me XXXX $ for the previous card and refused to cancel that fee.!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit file has fraudulent activity on it and I disputed it to the FTC and filed a police report. I also added a written statement to the report about the account not being mine. I had my FTC reports notarized in the courthouse. I also added a FCRA 605B ( 15 U.S.C. 1681c-2 ) report to my claim to have negative inaccuracies blocked from my file.The accounts Im disputing should have been blocked and deleted from my account in four days. Unfortunately thats not the case. I havent received anything from XXXX  or Equifax explaining that they are responding to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Due to the coronavirus I applied for a auto loan extension with Wells Fargo dealer services. They extended the loan, but are charging interest for the time period of the 3 month extension.

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 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$460.00} AR CHILD SUPPORT ENF  XXXX {$97.00} XXXX   XXXX {$180.00}

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 2020-04-02 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: Experian Information Solutions Inc.
State: TX

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. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX  XXXX {$1500.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$460.00} AR CHILD SUPPORT ENF  XXXX {$97.00} XXXX   XXXX {$180.00}

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 2020-04-02 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/2020, we received a call from a man identifying himself as working with the district attorney 's office in XXXX, Arkansas. He stated that our grandson had been arrested and needed bail money. He asked us to wire {$2800.00} to Western Union in XXXX, Arkansas. 
We went to the Western Union office within our bank and wired the money. Within two hours we realized it was a scam. We called Western Union and told them to stop the money and send it back to us in California. We waited two hours, called them back, and they stated that the file had been marked scammed and were returning the money. We called numerous times with the same explanation. 
We went to our back with a police officer and they said the money was not there. We again contacted Western Union and were told the money was being returned. No results that day. We called Western Union the following morning and they stated the money had been picked up in New York, the previous afternoon at approximately XXXX. We questioned this as to how this was possible when the money should have come back to the California office. 
At this point, we filed with the fraud department within Western Union requesting our money back from them. They filed a claim - or so they said - this was the beginning of at least 4 different claims being filed., with every excuse in the world why we were not getting the money back. I stated to them numerous times that I felt there was fraud going on within Western Union or somebody had tapped into their system. This was like talking to a wall. 
As far as I am concerned all the employees that I have talked to in the Western Union fraud department - and there have been many - could care less and they are reading strictly from a scripted message. The simple problem I tried to explain to them, at least a half a dozen times, was the money should have been returned directly to the office where we had wired it from - California. I feel the money was never going to XXXX, it was being diverted to New York within the Western Union system. This whole process was a scam from the beginning. 
If you would like all the case numbers, and notes, I can supply that information ; however, I feel they need to fix the problem and clean up their act. You stated not to include any numbers but if you contact us directly, I will give you the original wiring instructions so that you can follow up on this. I am sure this has happened to many people and they have no recourse with Western Union because they don't care and so people give up. I am not one of them. At this point, I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Complaint regarding USAA FSB unfair acts and practices. The USAA did not conduct a reasonable investigation of my credit card dispute v. XXXX regarding a charge of {$110.00}. 
I was notified that I did not provide the requested supporting documentation. 
No specifics were given. I disagree. I attempted to upload and uploaded the supporting documentation through the USAA website and App. Based on that documentation the USAA should have concluded that XXXX unfairly cancelled my tickets without my consent. I contacted USAAs Director and CEO XXXX XXXX but have not received a response. 
The USAA continues to engage in unfair acts and practices in my case. They should provide full, clear and unambiguous description of their investigative efforts. In early XXXX the USAA was ordered by CFPB to pay {$15.00} XXXX in fines and restitution for unfair acts and practices.The CFPB determined that USAA FSB failed to stop preauthorized electronic fund transfers and denied customers a reasonable error resolution investigation. 
The USAA is poorly run. The quality of its services has precipitously deteriorated. 
My dispute regarding XXXX should have been resolved in my favor based on the documentation I provided. 
I request the Board of Directors investigation of unfair acts and practices in this case. No response was received. 
It is also no longer possible to communicate with USAA via messaging regarding banking matters. The messages are limited to Investments, Insurance and comments about its website. The USAA customer care is in severe decline. It is no longer possible to file grievances and communicate with the Board Members via  messages. 
These practices are unacceptable. 
I no longer have my auto insurance with USAA because the USAA rates are unreasonably outrageously high. 
I am a XXXX  member of the XXXX XXXX XXXX. 
I should receive the best treatment possible from the USAA. 
Thank you for your anticipated help. 
Very respectfully, XXXX XXXX, XXXX, XXXX ( XXXX. 
XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: World Acceptance Corporation
State: OK

Complaint narrative:
My charge off account from 2013, has been listed on my credit report multiple times, the company World Acceptance, Wfc, World Accep, is the same company but they report they transferred it only to add a charge off again and lower my score. 
I have disputed this account with the credit bureaus and World acceptance has Responded with it's correct information, which means they lied and I can file a lawsuit I want this off my credit report, they need to be investigated, they did this to my wife also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
An XXXX credit card account was sent to an collection agency. I have officially disputed the accuracy of the account info in XX/XX/2019. I have yet to receive a response from Midland Credit. I am trying to resolve the account but they have not verified or updated the account info based on the legal time frames that have been established. I have made several follow-up call to Midland Credit but there is still no resolution.

Company response to consumer: Closed with explanation