vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was traveling for work and someone stole my information and now i have fraudulent accounts opened under my identity. Please remove these issues immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was traveling for work and someone stole my information and now i have fraudulent accounts opened under my identity. Please remove these issues 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 2019-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
Hello I appreciate the hard work you do. If there is any chance to look into myfedloan.org for not keeping records of what I paid them since XX/XX/XXXX on my school loan. I owe XXXX in school loans which started at XXXX that I started paying 12 years ago. They just told me yesterday that none of my payments have gone towards it. They have no record of my payments before XX/XX/XXXX even though on their website it says it started in XX/XX/XXXX. 

Anyway keep up the good fight, thanks for listening. 
XXXX XXXX XXXX PS- I have never reached out for any help in 59 years of living in Ohio .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: NV

Complaint narrative:
My identity was used to to open a XXXX XXXX credit line. 

XXXX was notified it was fraud from the credit provider and it is still showing on my credit reports.

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 2019-11-07 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: NV

Complaint narrative:
My identity was used to to open a XXXX XXXX credit line. 

XXXX was notified it was fraud from the credit provider and it is still showing on my credit reports.

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 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me.

Please see the identity theft report and legal affidavit attached.

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 2019-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Victim of Predatory Mortgage Lending ( NOTE : Will submit evidence docs at later date of complain filing ) : 1 ) In XX/XX/XXXX, Original XXXX XXXX  XXXX , XXXX ( XXXX ) loan was processed without borrower 's consent. 
-- no borrower 's signature on loan application, on statement giving away POA, or on bank disclosure of interest rates, etc. 

2 ) Per unsigned XXXX docs given AFTER loan was processed, initial interest rate was 1.9 % for 5 years. Then, increased to 8.872 %. This would result in total payments of {$600000.00} (!! ) for a $ XXXX loan. This disclosure doc of XXXX also was NOT signed, so that borrower did NOT understand true cost of loan. 

3 ) XX/XX/XXXX-XX/XX/XXXX American Home Mortgage Service , Inc. ( AHMSI ) also withdrew payment via auto-debit AND XXXX XXXX, falsely claiming mispayment and default. The auto-debit and XXXX XXXX were unauthorized by borrower. See CFPB Complaint # XXXX. Please note : Borrower was diagnosed & being treated for XXXX XXXX the same year. 

4 ) XX/XX/XXXX, AHMSI and XXXX XXXX  attempted foreclosure on property. 

5 ) multiple other problems with mortgage companies/collection agencies -- will follow-up with more supportive evidence 6 ) Current status : XXXX & XXXX XXXX survivor, borrower became recently ill. Loan has been transferred to collection agency XXXX XXXX c/o PHH Mortgage Services. When online account was activated XX/XX/XXXX, borrower could not find actual bill statements, or to know exact amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I registered my old phone # and my new phone # with the national do not call list ... .I changed my phone # from XXXX to XXXX ... .I 've blocked their different phone # 's repeatedly ... .this is just some of the times and dates and new phone # 's recently they've contacted me from .they are not registered with the NE Secretary of State and are not allowed to collect debts in the state of NE under this name anyways ... .Portfolio Recovery Services XXXX XXXX XXXX XX/XX/19 ... .XX/XX/19 XXXX XX/XX/19 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone open a XXXX XXXX XXXX account without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

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 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Butte County Credit Bureau
State: CA

Complaint narrative:
I received an alert from XXXX credit monitoring informing me that Butte County Credit Bureau placed a new account on my credit report. I found their contact info via XXXX search and called them. The customer service agent told me I have an account with XXXX XXXX XXXX for {$190.00} from XX/XX/2019 and that the account had actually been placed on my credit report in XX/XX/XXXX. Through a confirmation of my mailing address, we discovered that Butte County Credit Bureau has the wrong mailing address for me. Due to the fairly low amount, instead of disputing an account I don't recognize and did not receive notification about, I offered to pay the {$190.00} if they either removed the inaccurate information of late payments which were caused by their mistakes, or totally removed from my credit report. The customer service agent told it is not their policy to correct or remove information from credit reports. I contacted XXXX XXXX XXXX XXXX Department, who told me it is not against XXXX 's policy to remove inaccurate information from credit reports but that removing the inaccurate information would have to be done by Butte County Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On Friday, XX/XX/19, I attempted to make a {$400.00} payment to my XXXX XXXX. The payment did not appear successful so I reached out to XXXX XXXX customer service who advised the payment did NOT go through. I tried again, still nothing. At this time I waited several hours until once again attempting a 3rd payment. XXXX detailed none of these payment went though. Come Monday morning, XX/XX/XXXX, all ( 3 )  payments went through. I have made a a payment dispute with XXXX ( who ADMITTED this was an internal issue, even have the email that says it ), contacted their customer service via chat online and phone several times and filed a complaint with them. As of Tuesday, XXXX XXXX put a restriction on my account! Leaving me no access to use this credit card even though they have overdrafted my checking account! As of today, I called and was only told we can file another complaint, but fraud is set to call or email you soon FRAUD?!? I have been following up on this almost every day! I finally got escalated 3 times today and was told this can take 10 business days and they can not do anything!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
RECEIVABLE RECOVERY is reporting a debt that I do not owe them to all three credit reporting agencies. I have asked for verification that I owe them and they have failed to do so despite continuous requests and challenges. 
act # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a XXXX fridge from Best Buy on my CitiBank Visa Credit Card with a 18 months no interest promotion that was set to expire on XX/XX/19. I paid this off XX/XX/19 ; the balance remaining was {$460.00} and the accrued interest was {$510.00}. Same day I paid the promotional balance off, CitiBank reduced my credit limit. 

Problem : CitiBank reduced my credit limit by {$450.00} literally the SAME DAY I paid off the promotional balance. My credit card statement showing 'statement end date of XX/XX/19 ' shows the reduced credit limit of {$2500.00} ; was {$3000.00}. I wasn't notified of this reduction until the following day. This is obvious retaliation and discrimination. I've always made extra payments with them. CitiBank wasn't able to capitalize on me with a promotion ; when I followed through and completed the payments on time, Best Buy Visa/CitiBank directly retaliated causing damage to my credit. 

Then a few days later I started receiving notifications from credit bureaus advising me that it was recently reported a credit card reduced its limit and this has negatively impacted me further. 

Exact Timeline : I called CitiBank on XX/XX/19 at XXXX CST and was on the phone for a little over 22 minutes and they ensured the {$500.00} additional payment I had made on XX/XX/19 was going to be applied to pay off the promotional balance. 

On XX/XX/19 I received an email notification from Best Buy Visa Card ( provided by CitiBank ) to review an important letter. 

I reviewed the letter and it states my credit limit has been changed to {$2500.00} ; {$450.00} less than it was before. 

I've asked CitiBank to fix their error, and they are choosing not to respond in an appropriate and respectful manner.

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 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Numerous months ago, I physically went into a local branch of Wells Fargo Bank and closed my checking account and cut up my debit and credit cards in the presence of an employee. I also requested that all of my information be purged from their system. 

Now, many months later, I have received an email informing me of " great offers available '' with my previous " XXXX '' credit card. I called the number mentioned within the email message to inquire as to why I am still being contacted via email ; however, I was told they could not help me because I could not give them my " current password ''. I explained I don't have a " current password '' and do not remember my past password. After numerous conversations with numerous employees and repeating my name, birth date, etc, time and time again, I was " escalated '' up the corporate ladder and once again after having to give my name, address, phone number, birth date, SS number, and " name of first born '', I was told " I can't help you without your password ''. I was instructed I must go to a local branch and submit a photo ID in order to request my personal information be purged from their records. Ironically, I have never gone into " a local branch '' to open up any accounts or to obtain credit cards from them ; therefore, why should I go into one now just to request all of my information be purged from their system? 

I have been a past victim of identity theft, as well as being one-of-the-thousands of Wells Fargo customers whose excellent credit information was utilized to enhance their business reputation. I do not appreciate nor want Wells Fargo to be in possession of any of my personal information for fear of what happened previously and has the potential of happening again. 

I do not wish to receive any solicitation in any form from Wells Fargo ever again nor do I want them to retain any of my information in their data base. 

What must I do to end this continuous invasion of my privacy?

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 2019-11-07 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE TRANSACTIONS.

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 2019-11-07 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE TRANSACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One bought a fraudulent Walmart card from XXXX XXXX in my name when this card peered on my credit report I can usually contacted XXXX XXXX and they send me an affidavit with the posted transactions I signed that I've heard of it as not mine and circled all the transactions as unauthorized that was approved account was removed XXXX XXXX credit report six months XXXX XXXX sold this card to Capital One and now Capital One is showing a unpaid doing good on my credit report when I contacted Capital One they have no idea where this balance coming from they just have one answer to everything XXXX XXXX so does this this is an absolute violation of My Fair Credit Reporting I want Capital One to send me designed terms and agreement and how does application was submitted you know this XXXX doesn't belongs to me or anybody need a XXXX   either Capital One and Capital One has no ride without my permission to use my credit report as a form of extortion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 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:
Someone open a XXXX XXXX XXXX account without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

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 2019-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
It is an ongoing problem with PayPal. They keep freezing or making it impossible to send my money I have earned through XXXX. The latest is last month they asked for id and social security card, which I gave, as PayPal said to resolve account, yet one month later, still can't get or send my money. 
PayPal has done this to me at least 3 other times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
RECEIVABLE RECOVERY is reporting a debt I do not owe them to all three credit reporting agencies. I requested documentation to demonstrate that I owed this company. Despite this request and their failure to do so, they have not removed the item from my credit. if this is not removed I will be seeking legal advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone open a XXXX XXXX XXXX  Account number XXXX without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: OR

Complaint narrative:
On XX/XX/2019, I used the company 's online payment system to schedule my mortgage payment for withdrawal from a linked savings account on XXXX ( due date ). Moments later, I received a payment confirmation complete with a transaction identifier. Checking daily since XXXX, I have been waiting for the account to be drafted. Today ( XXXX ), I called to confirm the payment was processed only to learn that since this was my first payment with the new mortgage collector, I had to submit payment by check or over the phone. Had I not called or checked, this would have been a late payment with fees. The company should not send payment confirmations if they do not intend to draft and I feel this is a way for the company to collect late fees for people who think they have scheduled payments but do not go through. ( Not to mention the impact to their credit scores. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
RECIEVABLE RECOVERY is reporting a debt I do not owe them to all three credit reporting agencies. I have asked for proof that I owe them but to date they have not furnished that to me. Despite this they have continued to report this false information. acct XXXX if this is not corrected I will be seeking legal remedies.

Company response to consumer: Closed with explanation