vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2020 I tried to place a thaw on my credit freeze. I guess I entered a wrong answer. I've tried calling in multiple times and reaching out to them on XXXX chat. What they're asking me to send in is absolutely ridiculous. The whole purpose of a credit freeze is to protect your identity. To unfreeze your report they are asking for all of your personal information ; everything someone would need to steal your identity. What sense does that make??? 

Below is what they want : We were unable to honor your request to temporarily remove your security freeze based on the information you entered. 
Sending us your information To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. Experian Security Freeze XXXX XXXX XXXX XXXX, TX 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 2020-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I was contacted by National Credit Adjuster regarding a speedy cash debt. I was sent a letter if paid by certain date the debt will be paid in full and will report to any credit agency. I contact the collector and setup a payment date of XX/XX/XXXX. I called and paid the balance on XX/XX/XXXX. I requested my receipt never received receipt and have just seen the account hit my credit as a collection account. I have contacted the company left voicemail and sent a complaint. I have spoke will multiple representatives who pass the responsibility around and offer no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: AZ

Complaint narrative:
I submitted 2 disputes without any resolution. I am disputing the following companies on my credit report that I do not recognize. 

XXXX XXXX XXXX  I disputed these on XX/XX/XXXX and a 2nd time on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: AZ

Complaint narrative:
I submitted 2 disputes without any resolution. I am disputing the following companies on my credit report that I do not recognize. 

XXXX XXXX XXXX  I disputed these on XX/XX/XXXX and a 2nd time on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I submitted a dispute with XXXX  on XX/XX/XXXX and the item was deleted on XX/XX/XXXX. Without any reason as of today XXXX this item has now reappeared with no notice or anything. 

According FCRA my consumer rights have been violated and I'm hoping that Consumer Financial Protection Bureau ( CFPB ), as well as the New York State Attorney General under the FTC. FCRA 616, 617, 621 can hold them accountable. I've asked them to furnish me all documents relating to the debt and so far I've only received a statement showing interest charges. How did they come to this amount? Initially the date was from XXXX it now appears on my credit profile as of XX/XX/XXXX which is also illegal. Someone please hold Portfolio Recovery accountable for there actions. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 file my taxes and I was told my identity has been stolen because some one had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$5600.00} US DEP ED XXXX {$14000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$540.00} XXXX/XXXX   XXXX {$250.00} XXXX/XXXX   XXXX {$500.00} DEPTEDXXXX   XXXX {$4500.00} DEPEDXXXX   XXXX {$3000.00} XXXX XXXX   XXXX {$0.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX   XXXX XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Purchased jewelry, we returned to the store due to the jewelry breaking, merchandise was returned and balance was XXXX. Now 6 years later it is affecting my credit score, collection agency is refusing to remove it without this documentation even though XXXX XXXX agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We purchased a investment property and right after closing Well Fargo Mortgage bought our loan. The original terms were PITI. Soon after closing Well Fargo informed us that they would only escrow the property taxes on the property and not the insurance in the payment. I call the customer service number and they refused to honor the original loan terms the way they purchased the loan. Therefore we are forced to pay yearly insurance invoice ourselves.

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 2020-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: OK

Complaint narrative:
On XX/XX/2019, I took out 2 payday loans, one from Bright Lending and one from Green Trust. I have taken payday loans before and did not fully look over the agreements, thinking this one would be similar to ones I'd gotten before. I was dead wrong. The interest rates are criminally high at 674.96 % APR and 674. 99 % APR for each respectively. Also, these two different companies are both located on the same reservation XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX, so I'm pretty sure this is a scam for tribal payday loans. Basically, I got very sick recently with my XXXX XXXX XXXX and needed money. Looking back now, I don't know how they approved me because I already had out two previous outstanding/unpaid loans. This is over my state 's ( Oklahoma ) limit for the number of loans you can have out. So I don't think they verify anyone 's ability to pay : they're just trying to trap people in long-term, insanely high-interest loans. I'd like to see first if all of this is even legal before I try contacting them to sort anything out. 

Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-03-04 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-03-04 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: CA

Complaint narrative:
The report I sending is to let you know my situation some one used my name and opens credit accounts the police know about it and I get the direction from them to send this report to the credit bureaus and the creditors to and know only ask for a help to fix the problem this is a identity theft the accounts on the list are fraudulent accounts. 
so the next step I don't know I only ask for a help to deleted the accounts from my credit report those are not mine I attach the list of the fraud accounts.

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 2020-03-04 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: CA

Complaint narrative:
The report I sending is to let you know my situation some one used my name and opens credit accounts the police know about it and I get the direction from them to send this report to the credit bureaus and the creditors to and know only ask for a help to fix the problem this is a identity theft the accounts on the list are fraudulent accounts. 
so the next step I don't know I only ask for a help to deleted the accounts from my credit report those are not mine I attach the list of the fraud accounts.

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 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
My mortgage co, XXXX, filed for chapter XXXX and my mortgage was sold to Shellpoint mortgage services. Although my loan was in good standing with XXXX immediately Shellpoint declared me in default with intention to accelerate. My subsequent payments to Shellpoint have not been credited to my mortgage. They are billing me for forced insurance after I obtained private insurance and notified Shellpoint, which their insuance dept.acknowledged. Phone calls have been useless. I have sent copies of my bank statement as proof of payment. Shellpoint received these documents XX/XX/2020 but have not acknowledged them. My latest billing from them shows 0 payments since they took over XXXX. My money seems to have disappeared into Shellpoints ' rabbit hole.I have tried several times to contact one of the various point people they have listed but I have not ever been able to speak to any of them, even after 20 to 30 minutes on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This company called my cell phone on XX/XX/2020 Seven ( 7 ) times within a 5 hour window, so roughly a call an hour. When they call they call back to back so 2 calls each time. I answered the 7th one. They also called from multiple numbers not just 1. This is not the first time either, I am just tired of it. 

It is disturbing to have that many calls from the same company so frequent. It is annoying and a nuisance. And I am sending the company a cease and desist to avoid further collection practices like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: TX

Complaint narrative:
In XXXX of XXXX I decided to check with my wife, XXXX on what she was buying at Walmart that was running our credit card bills so high. I had my XXXX statement out and review each purchase on the Statement with her online orders. We discovered 5 charges that were not made by her, all online orders. I reviewed all the statements we had received since we opened the account in XXXX of XXXX and found fraudulent purchases on every statement totaling {$2200.00}, again, all online orders. 

I called XXXX XXXX, which was the issuer of the Walmart card about these discovered charges. I provided their fraud department with every charge that we found on the statements that were fraudulent and the told me they would investigate and get back to me, and the investigation would take about 90 days. 

The following month in XXXX of XXXX XXXX sells the account to Capital One and new cards were issued. As of today, I had not heard anything about the investigation that XXXX was supposed to be doing so I decided to call. I called the number on my old statements and it directed me to Capital One so I gave them the story about what had happened. I was told that they didnt any record of it and told me that I needed to contact XXXX since it occurred when they owned the account. 

I called XXXX and was told that all the information was transferred to Capital One when they sold the account and they had no records of the fraud claim. So here I am apparently in this black hole, unable to resolve this issue since nobody is taking responsibility for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
The GM finance said that my last payment was made on XX/XX/2019. So they stated that I have not made a payment in 3 months. I have automatic deduction from my checking account. Ive paid automatically online for the last 3 years, why would it not take auto deduct the last 3 months before the lease ends. This is there online website error. Not my fault. I did not know I was not paying the car payments. No email was sent to me. Or no letter of late payment was mailed to me. I recieved phone calls but it sounded like scammers calling. They did not sound professional. So my car was repoed and I had to pay {$600.00} for the car to get it back in my care. Plus the 3 months of not paying the car loan, which I didnt know was not collected. My excellent credit is now ruined from this error on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 my identity has been stolen because some one had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$5600.00} US DEP ED XXXX {$14000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$540.00} XXXX/XXXX   XXXX {$250.00} XXXX/XXXX   XXXX {$500.00} DEPTEDXXXX   XXXX {$4500.00} DEPEDXXXX   XXXX {$3000.00} XXXX XXXX   XXXX {$0.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX   XXXX XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX XXXX {$130.00}

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 2020-03-04 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 my identity has been stolen because some XXXX had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$5600.00} US DEP ED XXXX {$14000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$540.00} XXXX/XXXX   XXXX {$250.00} XXXX/XXXX   XXXX {$500.00} DEPTEDXXXX   XXXX {$4500.00} DEPEDXXXX   XXXX {$3000.00} XXXX XXXX   XXXX {$0.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX   XXXX XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX  XXXX {$4800.00} XXXX XXXX XXXX {$130.00}

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 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX Zelle Money Transfer XX/XX/XXXX, {$750.00} Security Deposit, took the money and started asking for more and then became quiet when I said no. 

Receivers Name : XXXX XXXX Name : XXXX XXXX City : XXXX State : Georgia Zip code : XXXX Have an email thread. 
Looking to get money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Please reference prior claim filed with CFPB, [ Case number : XXXX. This is an ongoing issue. Mr. Cooper continues to improperly post payments, does not post payments timely etc. I continue to receive letters from their attorney that I am 3 months delinquent when I am actually only due for the current month. They have now been granted relief from the automatic stay. At the time I began working with Mr Cooper to resolve this situation yet again on XX/XX/XXXX I was contractually due for XX/XX/XXXX with a post petition due date of XX/XX/XXXX. Now, theyve made additional adjustments and show that Im contractually due for XX/XX/XXXX with a post petition due date of XXXX. At the time of the last letter in XX/XX/XXXX they agreed I was current and due for XX/XX/XXXX. Since then I have made a payment in XXXX, XXXX and 2 in XXXX. The bankruptcy department just told me yet again that since my post petition payment amount is different than my contractual payment amount that they get misapplied. This is entirely unacceptable. They have caused me significant emotional distress over a period of years. The mortgage statements attached show I was current. In XXXX of XXXX it took filing a complaint with the CFPB to get the issue resolved. Im hoping between this new complaint and the complaint I filed with FHA that they finally get this corrected in a satisfactory manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 received a call from a collection company stating about a debt I owed for a insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation