vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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: OK

Complaint narrative:
I opened a credit card with XXXX XXXX on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from XXXX showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get XXXX to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to XXXX until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like XXXX to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: OK

Complaint narrative:
I opened a credit card with XXXX XXXX on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from XXXX showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get XXXX to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to XXXX until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like XXXX to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.

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 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I was diagnosed with XXXX, at the same time my bank account was hacked for {$3500.00} in which I had to end up paying the bank back because the hack was so sophisticated. That put me in the hole with ALL my creditors. After being denied by several loan companies TOWER LOAN accepted my application. I was under the impression that my car was being used as collateral for the {$3500.00}. Only to find out when I received all the paperwork, in small print was the actual payoff of over {$6000.00}. THIS IS ENOUGH THAT I WILL NEVER PAY THIS OFF AND LOOSE MY CAR in the act. I felt like they not only hid important information to me as a consumer, but played on my demise and situation. Its hard enough trying to recuperate from XXXX and my service connected XXXX now I have to worry about TOWERLOAN possibilities taking my car. This does not seem like FAIR practice

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
We had an escrow shortfall in XXXX that we paid, but our payment amount was also supposed to change in XXXX from {$1900.00} to {$1900.00}. We called LoanCare in XXXX because the system said we hadn't paid XXXX 's mortgage, but we had. They never said anything about the payment not being right, just that they had applied the payment to a category called " unapplied funds ''. They moved the money out. The same problem happened again for XXXX, XXXX and now XXXX even though we corrected the shortage in XXXX ( so we were short 4 months and they just kept borrowing the money short from each payment as they told is XXXX they can do per our agreement and NOT tell us BTW even though we're on the phone with them that we're making the wrong payment amount ). We have called every month, sometimes, more than once, to try to correct. Today they told us that they will not be able to correct until XX/XX/XXXX with no explanation why. We keep trying to explain to them this is simple math. In XXXX they have billed us {$16000.00} and we've paid them {$16000.00}. They still show us a full month behind on our mortgage as all payments sit in unapplied funds until we call in and force them out - even though we don't owe anything. Their phone system does not call you back either. 

We sent a letter per their instructions from their website certified mail to the " office of the customer '' and followed the CFPB guidelines requesting error correction. They said they've never heard of it when we called today to follow up XXXX no proactive follow up from them ). 

We're going on XXXX+ months of trying to get our payment history fixed with my husband spending 2 hours with them on the phone alone today - with no resolution.

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 2020-07-23 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: Block, Inc.
State: MD

Complaint narrative:
My cashapp account was locked due to me changing my device. I sent an email from the app to have it unlocked. The following Monday, I got a reply from support to verify some information via several questions. I did that but have not heard back from them and my account is still locked! I have no access to my funds. I have sent 10 follow up emails with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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 SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS 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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that XXXX XXXX performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally. 
1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report. 
2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 3. The balance reported is incorrect and inconsistent. The account has not been active since. 

If this account is not reporting 100 % accurate, I request deletion immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS 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 2020-07-23 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: Netspend Corporation
State: WA

Complaint narrative:
Net Spend tells me I had a net spend western union account i was also assaulted and robbed and my finances where robbed from me i have multiple accounts i would like all information about my accounts i can see money transfered from one card to another I have reached out to XXXX XXXX this has been going on for 7 years and its all 3 netspend corp net spend pay pal  and net spend western union

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 2020-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
VA mortgage loan was put in forebearance  on XX/XX/XXXXXXXX  under the CARES Act. Received letter in XXXX that payment was late, contacted Freedom Mortgage and was told it was an error and that it would not be reported to credit agencies as late, but " paid as agreed ''. 

On XXXX XXXX, XXXX, I checked my credit reports due to the alert received about lowered credit score and Freedom Mortgage reported as late payment to all three credit reporting agencies dropping my credit score by 80 points. This is clear violation of CARES Act. I called mortgage company and was told they made a mistake and they would start a credit investigation on it. This however, will not make my credit score as high as it was before the mistake was made. They also reported late payment in XX/XX/XXXX, in error.

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 2020-07-23 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: GA

Complaint narrative:
There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX  XXXX  XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX  ) ; Bal : {$0.00} ; I was never 30 or 60 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX ) ; Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.

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 2020-07-23 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS 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 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account with Walmart showed a purchase in XXXX 2019 that i did not recognize. I filed a fraud complaint and closed the account. Capitol One acknowledged the cancellation and began an investigation. On XXXX XXXX Capitol One sent a letter denying the claim with no information where, what or who charged it. I responded with a request for information establishing my responsibility for the charge. They have yet to document the original transaction. They reported me to the credit bureaus and have destroyed my rating. I just want to establish responsibility for the charge, delete the collection from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
MY EX I WAS DATEING TOOK ALL INFORMATION AND IS NOW RECEIVEING MY PUA BENEFITS FOR COVID-19 THROUGH EDD, I BELIEVE THAT HE'S USING A FEMALE AS ME AND THEY'RE TAKING MY IDENTITY IN THE TRYING TO DO STUFF FOR MY IDENTITY AND I BELIEVE THAT THEY HAVE ANOTHER EDD CARD OR TRYING TO RECEIVE ONE IN MY NAME WERE THEY TRYING TO RECEIVE A CHECK IN THE MAIL EITHER WAY IT GOES HE HAS ALL OF MY MAIL IT WILL NOT COME GIVE ME NONE OF MY EDD MAIL I'VE SEEN THIS PERSON NUMEROUS OF TIMES AND HE STILL WALKING AROUND LIKE HE HAS NOT DONE NOTHING WRONG I WAS SUPPOSED TO GET PAID ON MONDAY BUT I DID NOT RECEIVE ANY BENEFITS BECAUSE HE TOOK MY MAIL TO RECERTIFY MY BENEFITS

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 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the dates below : 30 days late as of XXXX 2019 XXXX XXXX XXXX XXXX  XXXX My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal loan that I had for my home was paid in full. The company when contacted advised me that they billed me additional fees for paying off my home mortgage in full. I have contacted them several times as the company has refused to cash the bill pays sent to the company and XXXX took the action to stop the payment as Navy Federal had the check from bill pay. In order to get the mortgage paid in full payments were made to them via ACH. Navy Federal has been requested in writing that I am hereby demanding that my money due back to me for escrow and close my accounts with the bank. 

Navy Federal advised me that they will be charging me penalties for paying off the loan which I was advised I didn't have on this loan. Now on the phone it has come to my attention that the company has made a decision that was never disclosed to take money to payoff the mortgage. When I requested to know exactly what the amount they are charging me they said I would have to wait until they do all their back office charges against my account. 

The company is not being fair and honest with me as I have advised them that I want to close my accounts. Obtain my escrow money that they are retaining and along with that they are taking a position that they can charge me whatever they want for fees for paying off the loan. 

I need help as I have reviewed documents and it has no area that it states that I must pay for their back office activities and in a large amount. I have been clear that this is not fair and want the breakdown immediately. Their response was they will get it to me in 30 days or more when they get it done. 

I do not want to be a customer and they sent me a letter advising me that my escrow or overpayment would be deposited into the checking account that I presently have with them and have requested to have closed several times. They refuse to close the accounts and state that I must keep them. I do not see how this is fair and am asking for help to get paid the money that is overdue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm trying to use to stock trading app XXXX and PNC will not allow me to connect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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