vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items 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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items 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 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was transferring some fund from my checking account to XXXX pay and PNC did not allow me to do so even after I was asked to sign in my account with a two step verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: MS

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
I have to many different names, address, on my credit report show me another social secury please help me how I do or what I have to do to fix all this please help 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 non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I used this company before and I need to pay people and now I can't

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I tried send u claims about this debt and it seem that anything is not done about it, mean time my credit is ruin and I cant get anything. The name is syncs Sams club their in CA. According to them I owe them XXXX its not true this debt is not mine I want it off or else Im suing. This bank was doing fraud with lots of people they caught them and they sold it to XXXX  XXXX. So, now I owe XXXX XXXX for this card that I bet applied. They are in a law suit now, now Im owing it. Take this off my credit please

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 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland funding has tried to contact me numerous time after I told them to stop. I received a mail numerous times from them trying to settle a debt they claim I owe them. i have never signed any contract with them and if they indeed purchased a debt for pennies on a dollar, that's their problem. I specifically stated that if I owe them a debt to send the debt to the courts. I have not received anything from the courts, therefore ; I should not be receiving harassing and threatening phone calls. The representatives are rude and they speak with you any kind of way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items 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 2020-07-16 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items 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 2020-07-16 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: NY

Complaint narrative:
I am a person not a third party, and i am a victim of identity theft. this is my second request to Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: GA

Complaint narrative:
I received UI payment to a debit card called, Georgia Way to go Program card. I need to transfer the funds from the debit card to my bank. I did this in XXXX, with no problems. There is no longer the transfer funds option online and that is not ok. Their Terms of Use document explains that I can transfer funds to my bank account for a {$1.00} fee and to call their customer service line at XXXX. The number is all automated and can not get through to an actual customer service representative. They also do not have an automated option for transferring the funds. In addition, the terms of use documents explains that I can use a " fee free '' ATM of theirs with their MasterCard logo and XXXX logo. However, it also says those ATMs will incur a fee. So they are saying 2 totally different and contradicting things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: WA

Complaint narrative:
Midwest recovery has called me twice they will not tell me what the debt is. They are demanding my SSN and dob. I repeatedly told them no. And they keep calling. I don't have any outstanding debts that I am not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NY

Complaint narrative:
this is the second request, I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items 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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items 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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE HELP ME! I am in the middle of a real estate transaction and my loan can't close because my lender is unable to obtain an Equifax credit profile. My other 2 scores are good and more than surpass the minimum thresh hold for the loan, but my lender says he needs to view the third report or else his underwriter will not allow the loan to close. The reason it is not accessible is because there is a security freeze on it. I have done everything in my power to gain access to my Equifax credit profile. I have sent out letters to the credit bureaus asking the freeze to be removed. I have gone online to attempt to have the freeze removed. My lender has called to do the same. I have even called and spent plenty of time attempting to have the freeze removed only to be told every single time that I didn't pass the security questions. 

I don't understand how I fail the security questions. I know my personal history better than ANYBODY. If the answers I'm providing do not match their records, it is because their records are faulty. How am I supposed to guess what they have in their records when they are not accurate? Regardless of anything else, I need to be able to access my Equifax profile. I have been trying to obtain it for months and I won't let Equifax prevent me from buying my home because they can't get their information right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK
State: IN

Complaint narrative:
So i was trying to open an account with another bank and it wouldn't let me so I requested my XXXX report and it said my account was closed for cause so I called TCF and they said I had no remaining balance that needed to be paid or anything so I was confused why it said closed for cause when I was the one who called and closed my account myself and they couldn't tell me why it says closed for cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2020 ( today ) I got in my credit card statement from Wells Fargo, we had signed up for assistance due to COVID-19, my husband was laid off in XXXX and we tried our hardest to keep up payments for a while and we did but eventually needed help. I got two months of assistance where I didnt have to pay my minimum payment of {$66.00}. Today I got a bill for {$220.00}, which was my minimum payment plus all the interest acquired on the total amount in the account. I got in my credit card statement from Wells Fargo, we had signed up for assistance due to COVID-19, my husband was laid off in XXXX and we tried our hardest to keep up payments for a while and we did but eventually needed help. I got two months of assistance where I didnt have to pay my minimum payment of {$66.00}. Today I got a bill for {$220.00}, which was my minimum payment plus all the interest acquired on the total amount in the account. They didnt tell me I would have to pay all interest acquired on the total amount and my minimum payment when I was no longer receiving assistance, and I dont always have to pay all acquired interest per month so Im confused why this is happening. When I called in they just told me that it was my minimum payment and the interest on the total amount due. The only thing that they offered me was more time in the assistance program, but I did not want to come back and have to owe {$440.00} next time or something like that. And my two monthly payments which is {$66.00} each that I had missed comes to a total of {$130.00}, so I dont understand why this is happening ... ( I wan na add I knew that interest would continue to be added on the total amount, I just didnt know Id have to pay it all back when I came back. I dont have to pay all of my interest every month so Im confused why I have to pay two months worth when I needed assistance ) I attached my current bill for {$220.00} which is due on XX/XX/XXXX, and Im attaching a screenshot showing my previous payments to them. Now I pay my minimum payment and I try to pay extra whenever I can even if its {$14.00} or {$20.00} extra per month I try to pay off as much as I can. But youll see I didnt have to pay a huge {$220.00} every month youll see a consistent {$68.00} or {$66.00}. 
It was suggested to come here and file a complaint, so Ive never done this before I apologize if this is too much or too little. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16 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: NY

Complaint narrative:
I am a victim of identity theft, and this is my second request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NM

Complaint narrative:
On XXXX XXXX, XXXX I contacted Capital One Bank to dispute three ( 3 ) charges made by me to 3 separate airlines. These charges where all made in XXXX. All the flights purchased were cancelled by the airlines, entitling me to a refund. I contacted all 3 airlines, and was meet with no response from any as to when I could receive a refund. Disputed amounts were : XXXX XXXX, {$140.00} ; XXXX XXXX, {$810.00} ; XXXX XXXX {$530.00}. All amounts shown are USD. 
On my phone call to register the XXXX disputes I supplied copious information to allow CapOne to proceed with a dispute resolution. I was told I would receive a written confirmation of these disputes within 30 days. I received nothing at all from them, neither in writing in the mail, nor an email confirming my dispute. On XXXX XXXX, XXXX I again called to CapOne to follow up. I was informed that a provisional credit in the amount of {$140.00} had been posted to my account on xxx, but I was sent any documentation. I was further told the other two disputes were 'overlooked '. I was told these would now be 'expedited ', but it was impossible to tell how long this would take. I received finally a dispute information request on XXXX XXXX via USPS. I have never received anything regarding the 2 other disputes, nor have I received a credit for either. 
Capital One is required to confirm disputes in writing with 30 days, and to resolve these disputes within 2 billing cycles. I have made every good faith effort to assist in this matter, but I am rebuffed by Capital One customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: MI

Complaint narrative:
I have a VA mortgage ; my account is current and I requested 180 day forbearance as authorized under the CARES Act due to being affected by this pandemic. This request was done on XXXX XX/XX/2020 @ XXXX. Plaza Home Mortgage / XXXX XXXX XXXX  the servicer understood my 180 day forbearance request I was requesting under the CARES Act law. The servicer stated they would only give me a 90 day forbearance and would not honor my request for 180 day, because they dont offer that XXXX XX/XX/2020 @ XXXX I called above company to verified my forbearance status ; talking with XXXX XXXX ID # XXXX She said that my account was coded as 90 day forbearance. I again stated I wanted the full 180 days first request that was given to me by the CARES Act that is law. She stated that the CARES Act was a Federal government thing and that they ( XXXX XXXX  ) where not apart of the Government. Inferencing they didnt have to follow the government law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I entered an installment loan with Acima to purchase tires from a store. I specifically ask for 90 days same as cash and they said when it was close to the end of the contract, they would email me as a reminder. Acima had been drafting funds from my account without an issue when I noticed that I had paid close to the initial {$1000.00} ( amount of purchase ). I called them on the phone to ask why were they still drafting money when the account should be paid in full due to a 90 day same as cash purchase. The representative stated, '' ma'am, your account wasn't placed on a 90 day same as cash account when I specifically ask for that plan. I asked to speak with a supervisor and the representative told me that the supervisor would tell me the same thing. Acima is requesting that I pay them an additional {$1300.00} on top of the {$1000.00} already paid but I refused because I didn't want to pay the interest in the first place is why I chose 90 days same as cash. I have received calls from the company at least 15 times a day to include robo calls and voicemails. I read their reviews and customers are stating when they request 80 days same as cash, they end up with the outrageous finance and interest charges which is absurd. They also claim they emailed me but when the email address was verified, they had the wrong email address.

Company response to consumer: Closed with explanation