vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: CA

Complaint narrative:
The name XXXX XXXX XXXX appears on my credit report I called XXXX XXXX and they became XXXX XXXX in XXXX They are aware that this XXXX XXXX XXXX is a fraud and trying to collect debt that does not exist from consumers My credit report says this account was opened on XX/XX/XXXX The amount they say I owe is {$110.00} Please contact me at XXXX and please stop this fraud from happening to me and others. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: URS Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX contact number provided was XXXX from URS Solutions has been harrasing me with calls, threatening to garnish wages, take me to court. He called my place of employment 4 times after i asked him not to call my employer since i can not take personal calls. He failed to provide me a validation letter and bully me to provide payment information right away.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a CITI business credit card, and one of the perks is If you spend {$30000.00} annually, you will receive {$99.00} certificate for a companion ticket. 

I have yet to receive my certificate for the 2018 year. I have been trying to get this resolved for over a year now. I have called in multiple times to CITI and request they resend one out because there excuse was always " we issued it, so were not sure why you aren't receiving it. '' Finally, they said they would re issue a new one, and I never received it. and by the time I followed up, they said that it was to much time that has gone by. One time I called in, they tried telling me that I didn't qualify that year. Attached I have submitted my statement for XXXX clearly showing that I well spent over the Minimum of XXXX annually. 

One of the main reasons I have this card is for this reason/ perk. I travel, a lot for business. You would think because I've been a CITI member for so long and spend so much annually that they would just re issue me one.

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 2020-07-01 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: I.C. System, Inc.
State: AL

Complaint narrative:
After reviewing my credit report and noticing inaccurate information I sent a certified letter to IC System dated XX/XX/20 requesting that the company validate the reported {$360.00} debt. I received a response letter from IC System dated XX/XX/20, advising that they had investigated the information that was provided to the credit bureau and stated that they had been unable to verify the information reported to the credit bureau. Therefore, they had requested that any information provided to the credit bureau regarding the account be deleted or removed. The letter then explained that I may wish to review my credit report to ensure that the information has been properly updated. 

However, the letter then stated that the attempts to verify the debt would continue and gave me 30 days to dispute the validity of the debt. Based on the document that they provided, they have now given me a new account number for the very same debt. I need a resolution to resolve this matter and would like to file an official complaint against the company.

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 2020-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Re : XXXX ; I wish there was a way to simply reply to your messages rather than need to open up a new complaint just to respond to you. Bank of America are in the process of working something out. I have emailed that I would like to come up with some sort of monetary compromise. We are supposed to discuss this on XX/XX/XXXX or XXXX. 

You had sent me a message that Bank of America had closed the case and clearly they did not. Most of the problem on Bank of America 's side was due to gross negligence and the fact that they had made it almost impossible to contact them, so I could have stopped the scam in time. 

In the interim, there are about a dozen law enforcement and regulatory agencies involved. Much of the problem relates to the fact that the FBI and the DOJ are not reading their IC3 reports and travel to open up a civil suit or criminal case is extremely difficult due to COVID 19 restrictions, including 2 week quarantines, and the fact that the money mules and main scammers are trying to hide. 

I have a clearer idea of the damage and if negotiations with Bank of America do not work out, I have a 30 page file I could send you. 

The total loss is around {$120000.00}, of which {$110000.00} occurred with Bank of America and {$5300.00} occurred with XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX is the money mule through which XXXX XXXX XXXX   funneled the money. XXXX XXXX is the money through which Bank of America funneled its share of the money. 

The main scammer is a fake version of XXXX XXXX XXXX XXXX, which still operates out of XXXX, XXXX and XXXX, XXXX. I believe an arrest warrant can be served on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 when XXXX XXXX makes his presentation in XXXX at a XXXX XXXX, but I am still investigating other options.

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 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc bank doesn't let my 3rd party apps like XXXX which I've been using for years acess my bank information which is really upsetting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear Wells Fargo, My family and I have been loyal customers of Wells Fargo, Wachovia, XXXX  XXXX for 40 plus years. 

My account balance is more than {$25000.00}. 

I am unclear why I have received inferior service from the executive team and the portfolio team. The executive team ( XXXX ) ndicated I would be considered for the most competitive interest rate and she would contact Mr XXXX about this. However, when I spoke with Mr. XXXX on XXXX, there was no competitive rate offered whatsoever. He was out of the office on XX/XX/XXXX so I was not able to lock in a rate. 

I initially had an appointment with him on XX/XX/XXXX to discuss the interest rate. He did not contact me at the scheduled time. I tried to reach back out to him but no one with his team was able to or willing to connect me with him. This led me to contact the executive team. 

I do not understand why the bank is unable to provide me a competitive interest based on my loyalty and account balance. 

I do not feel valued as a customer. We live in a competitive market and your competitors are offering superior customer service and promotions/incentives to customers. 

The executive team has not been helpful or taken any ownership in the concerns raised. This has been time consuming and does not reflect well for Wells Fargo. 

Thanks, XXXX XXXX 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 2020-07-01 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: NJ

Complaint narrative:
I disputed 3 alleged accounts on the credit report that Trans Union has reserved under my name. They stated the alleged debts were verified. Upon receiving their letter for the alleged accounts which were unverified. I ASKED for the procedures of how these 3 accounts were verified and furnish the documentation for the alleged accounts which to date i have not received. Trans Union have not provided their procedure or documentation i have requested. I believe Trans Union is violating my consumer rights according the FCRA. 

According to FCRA if an account is inaccurate and can not be verified it must be deleted from a consumer 's credit report. I am requesting that they delete the accounts they have on file regarding me. 
I have attached 5 exhibits of our communication through the mail detailing their disregard of my consumer rights.

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 2020-07-02 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: Professional Finance Company, Inc.
State: FL

Complaint narrative:
I have submitted several disputes to this company about a medical bill that they have listed on my credit reports. 

I have insurance I have never been notified by the a hospital or this company that there was an outstanding balance! 

I only knew about this company by reviewing my credit reports! 

I submitted a dispute letter to the credit bureaus and the company never sent me any verification that these bills they are updating on my credit file belongs to me. 

I never had any contract or obligations with this company and they are reporting unverified incorrect information to the credit bureaus every month it was just updated on XX/XX/2020 This is really hurting my credit profile during a national pandemic and the company isnt supposed to placed unverified information on someones credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I'm an furlough until i get called back to work. I just need some help with my mortgage payment. I just bought my house a few months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: N26 Inc.
State: MA

Complaint narrative:
I had fraudulent unauthorized transactions that were made on my account totaling about roughly XXXX and XXXX is refusing to dispute and refund me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I notified the company and the bureau they ignored me and could not verify or show proof that I gave them permission. I did not give permission and I would like to remove

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 2020-07-02 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 — Investigation took more than 30 days
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I paid off the mortgage in its entirety on XX/XX/2020. I got a paid off letter from a lender ( Lakeview ) stating that the account has been paid off and closed. 
XXXX  report does not reflect this although the XXXX  's does. 
I disputed the situation with XXXX  and provided them with a copy of the paid off statement. 
In both cases XXXX  found the info about mortgage account as the correct one. It has been already almost 3 months while XXXX  can not obtain the correct information from the lender. I am speechless about their very poor performance and it looks there is no other way than to file this complaint.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I notified the company and the bureau they ignored me and could not verify or show proof that I gave them permission. I did not give permission and I would like to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: FL

Complaint narrative:
id theft victim XXXX XXXX not mine chapter XXXX been 7 years, needs to be removed XXXX XXXX XXXX not mine

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 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC is preventing me from connecting my checking account to apps like XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CA

Complaint narrative:
I am a victim of identity thief. My information was exposed in 2017 through XXXX  data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.

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 2020-07-02 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: CA

Complaint narrative:
I am a victim of identity thief. My information was exposed in 2017 through equifax data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: AZ

Complaint narrative:
I received my mortgage statement today. It shows I did not make a payment last month. I called customer service and she said there is no record of a payment made. My bank cashed my check to the mortgage company on XX/XX/2020. They also have {$380.00} listed as unapplied funds, which should have been applied to extra principle and she refused to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CA

Complaint narrative:
Please help. I am a victim of identity thief, there is multiple account on my credit profile that does not belong to me. Through XXXX  identity thief victim website i was able to confirm that in fact my information was stolen in the data breach and could possibly be used to open up fraudulent account. During that time i had no idea that my credit was being used fraudulently till i was denied a student loan and wasn't able to get help due to my score. I was denied entry into school because i could not pay for my tuition. I sent multiple letter in the past regarding my identity thief but never got a response from any of the credit beau. I now would like to see any kind of document from any of the account because Experian has repeatedly said it was verified and the account belongs to me but they can not provide any supporting document. I would like to see the paperwork that was obtain from the creditor so that I can prove that it dosent belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CA

Complaint narrative:
Please help. I am a victim of identity thief, there is multiple account on my credit profile that does not belong to me. Through XXXX  identity thief victim website i was able to confirm that in fact my information was stolen in the data breach and could possibly be used to open up fraudulent account. During that time i had no idea that my credit was being used fraudulently till i was denied a student loan and wasn't able to get help due to my score. I was denied entry into school because i could not pay for my tuition. I sent multiple letter in the past regarding my identity thief but never got a response from any of the credit beau. I now would like to see any kind of document from any of the account because XXXX  has repeatedly said it was verified and the account belongs to me but they can not provide any supporting document. I would like to see the paperwork that was obtain from the creditor so that I can prove that it dosent belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I paid off the mortgage in its entirety on XX/XX/2020. I got a paid off letter from a lender ( XXXX ) stating that the account has been paid off and closed. 
Transunion report does not reflect this although the XXXX  's does. 
I disputed the situation with Transunion and provided them with a copy of the paid off statement. 
In both cases Transunion found the info about mortgage account as the correct one. It has been already almost 3 months while Transunion can not obtain the correct information from the lender. I am speechless about their very poor performance and it looks there is no other way than to file this complaint.

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 2020-07-02 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation