vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: MN

Complaint narrative:
Im not able to cash checks online with Ingo Money. I have never had an account or cashed a check with Ingo Money online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On or around XX/XX/XXXX, USAA abruptly closed my checking account. I was alarmed when I couldn't login to either phone app or web browser. I tried multiple times and then noticed the vague bubble popping up and fading stating that for security reasons, my account has been closed. I then contacted USAA. After a 35 minute hold awaiting the reason for not being able to access my account, the lady stated okay Sir, the reasons your account has been closed is because we at USAA have implemented a new policy and that policy gives USAA the right to use the option of closing your account. I asked, for what? She then stated because of a XXXX background XXXX charge on your account. I was so confused because I had been a member of USAA for 5 years now. I was lost for words and she then said thank you for your Service and for banking with USAA for 5 years is there anything else I can help you with? I said wow, really? What about my insurance? I have rental and car insurance. I just obtained a new policy. Well, I'm unsure about that let me transfer you to that department. The lady with the Auto insurance stated that my insurance policies were current and not cancellation was in place. Well, 2 weeks later, I received a letter stating my insurance policies were then closed immediately. I not only lost the money I just paid for my current month, but I did not have any access to my money to obtain new insurance. After I did find the best quote it is now {$65.00} more a month with less coverage. My rights and benefits as a veteran was snatched away because they decided to act on a new policy. 
It has caused me nothing but XXXX XXXX  as a veteran with XXXX and sleepless nights. This has caused me a loss in finances and so much more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: IL

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items.

I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX XXXX never late DEPT OF EDXXXX XXXX not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX  not mine DEPT OF ED/XXXX  XXXX  not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/NELNET XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT   OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TN

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX  XXXX {$5400.00} XXXX XXXX {$1200.00} XXXX  XXXX {$72.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00}

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 2020-04-06 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: TN

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX {$5400.00} XXXX XXXX {$1200.00} XXXX XXXX {$72.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00}

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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE PRIORITY XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THE PRIORITY XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
A company calling itself either XXXX XXXX  OR XXXX XXXX with one of the phone # 's of XXXX and by several different people ( one person named XXXX ) has been harassing us for the last several weeks. They have called both our home phone and my husband 's cell phone ( XXXX ) looking for someone with the first and last name of my husband. We have repeatedly told them the person is not my husband nor does that person live here. we have requested they quit calling to no avail. We do not appreciate their calling us at all hours nor do we need the aggravation during this time due to the fact that me, my husband and our grandson who returned from college at XXXX are XXXX   with the XXXX. my grandson is extremely ill and on XXXX. I am worn out from caring for the three of us. PLEASE make them stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Statewide Credit Services Corp.
State: MA

Complaint narrative:
I received several calls from XXXX XXXX. XXXX from Schwartz and Schwartz & Assoc. I inquired about the concern. I explained that I did not receive letters and asked for the address on file. They had the wrong address. XXXX XXXX stating I owed funds from when my daughter attended school. I told her that was not accurate and I asked if I could call her back after speaking with Mr , XXXX XXXX. During the four days attempting to get in contact with Mr. XXXX, XXXX XXXX called several times during the work day. I repeated told her I was attempting to get in contact with Mr. XXXX. Ms. XXXX continued to threaten reporting this debt to the credit agency. I told her that I was in the home buying process and will correct this error. I continued to receive calls a day later. I finally called the office and asked for a different person on my case as she was harassing me via email and phone.

Almost two days later, I told the Mr. XXXX XXXX I did not own that amount of money and would gather the evidence to prove that I did not owe the money. He stated that it was no longer in hands. I told him that I personally paid him in for my daughters tuition and that he did submit most of it right away. I remined him that I called in the Summer to ask that he make the corrections as well as there was still a balance. He acknowledged that I did pay him ; however, he stated it was out of his hands. I asked him for the name and number of the Business office manager. He refused and stated he would not provide me with that information. I again stated that I paid him, and he yelled at me and hung up on me.

Immediately after my call with Mr. XXXX, I reached out to the collection agency ( XXXX XXXX. XXXX , Schwartz , Schwartz & Assoc . XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX LIC. # XXXX ) and told them the I did not owe {$1400.00}. They called me several times and kept threating my credit report- this happened in one week. I asked them to allow me until next Thursday to gather the necessary information to prove that I paid all bills and that my daughter was only in school for 4 1/ months. A few days later my credit report showed I owed the balance of {$1400.00}. This lowered my score and prevented me from moving forward with a mortgage loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I qualify under Federal Guidelines for a PPP loan as a XXXX XXXX. However, I am unable to apply for a PPP loan at my bank [ Suntrust ] because i don't have a " Business Account '' with them, even though I have been a Suntrust Customer in good standing for many years and currently have several Bank accounts as well as a Credit Card and Mortgage with the Company. Over a year ago i was advised by my Suntrust Account Manager when i inquired about a Business account that my business didn't really have a need for the services that provided. But now i am being denied the ability to apply for a loan that i very clearly qualify for because i don't have an account that i was ADVISED NOT TO GET. This is money i qualify and that my business Desperately needs. This is VERY frustrating as i don't know where else to turn to apply for this loan.

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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX i call Equifax about a inquiry that doesnt belong to me and i want it removed that because i did not applied for that credit card and they told me to call the creditor that was showing on my Credit report so i did i was in the phone more than 3 hours dealing with them so that the end they told me that they will removed and send a letter to the credit bureau to delete the inquiry that doesnt belong to me. And right now its been more than a month since the day a call they that inquiry still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
So I went to purchase a phone from someone in person, I sent them a payment through XXXX and the returned the payment because they wanted me to pay them in cash apparently, so I did just that. After paying them in cash, a few days later the XXXX they refunded me was taken out my account in form of an XXXX, but I didn't know the transaction was still going through because I thought she refunded it but apparently I was wrong, and so I asked XXXX to reverse the transaction and they told me they weren't able to and only my bank would be able to and so I asked my bank and they gave me the same response and to ask XXXX and they sent me back and forth literally XXXX times just for neither of them to be able to get my money back and for the lady to continue to say she didn't receive no money even though XXXX is saying she did.

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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO

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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: KS

Complaint narrative:
XXXX XXXX XXXX -- - This collections account has been paid in full and is resolved with the original account holder, this account should not be on shown on my credit report due to inaccurate information. 

Equifax and XXXX continue to not report this collections account inaccurately and showing a delinquent account with {$190.00} owed -- This is false and inaccurate information. 

XXXX has been transparent and is reflecting the correct information. 

Please feel free to contact the original account holder for verification of no balance being owed. Attached is e-mail communication that will verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We've had a loan with this Mortgage company for a number of years. They have setup the homeowner 's insurance and rolled it into our payments. Due to research and consulting with other providers they are grossly overcharging us annually as well as monthly on homeowner 's insurance. We are paying {$5300.00} annually resulting in an additional amount monthly of $ XXXX/month. We've reached out to the lender and regarding refinancing to get our payments down and have only reduced the total amount by $ XXXX/month. This amount is unacceptable due to the balance owed on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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:
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 form 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. 

XXXX XXXX XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00}

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 2020-04-06 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:
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 form 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. 

XXXX XXXX  XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00}

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 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Tried calling Freedom Mortgage to see if they can help during the COVID-19 pandemic and they are only offering forbearance but you have to pay it back after the three months in full. How can somebody pay back three months all at once if youre having troubles already financially due to this pandemic they should be able to willing to put it back to the loan and extend it like other mortgage companies are doing Terrible service

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