vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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 theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX XXXXXXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Due to the Covid19 emergency I called Select Portfolio Services to ask them for possible options to make payments because I stopped working 3 weeks ago ( I was in an overseas trip ) and Florida 's governor placed a ban to XXXX XXXX XXXX until XX/XX/XXXX. They said, " we are here to help, your option, stop payments for 3 months, interest will be charged and after those 3 months you have to pay 4 months at once. What do you think? '' What Do I think? I called them because I'm not working, I've never had a late payment. If I have the money I would not be calling. I won't receive money form the Trump 's Bailout but they will, why?.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid off XXXX  XXXX  XXXX. And XXXX  lowered my score. 

I still see old info from Wells Fargo that I have not made payments. Idiots! It is paid off! Title is in there as proof! 

XXXX  lowered my scores many times lately. 

XXXX  accused me for not making any payments when I already had paid on time using autopay with XXXX. Insurance policy was changed from XXXX  to XXXX. XXXX  accused me for not paying anything. 

XXXX  so lowered my score after XXXX  SUGGESTED ME TO use their matched credit card to boost my score. It backfired and then XXXX  lowered my scores way down! XXXX off!

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Same companies I am complaining against. U dont allow uploading some more pics as proofs. 

I did pay more and did pay on time. I was never late except once in 2018 and did inform XXXX XXXX ahead of time. 

I even recently paid it off but XXXX XXXX did not report or Experian Credit Bureau careless to update! 

XXXX XXXX XXXX owes me!!! I paid off but they do owe me from too much payments from too many interest rate and charge rate when I was on time 90 %!

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 2020-04-03 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 — Was not notified of investigation status or results
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XX/XX/2020 I mailed a request to XXXX and XXXX  I havent received any documents back about the in accurate account not mine being removed theres no proof these are accurately my accounts. 

Convergent {$350.00} reporting from XXXX and XXXX Mailed dispute to XXXX. 

I have mailed dispute to XXXX  and still reporting XXXX Merchants Credit {$150.00}.

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 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
In XXXX, I sent a letter to PDQ Services collecting on a bogus debt that they I say I owned to apt complex by then name of XXXX XXXX. I asked PDQ and XXXX to validate the debt and they have failed to properly do so. I have also sent a compliant to the XXXX  regarding XXXX XXXX XXXX in XXXX, GA and their bogus and predatory practices that violates citizen 's renters rights. I have also asked for where I have agreed to their claims and the paperwork clearly shows NO signature from me agreeing to the move out terms or claims. The document they sent me is a statement of deposit summary and has a charge listed, which that is also not proper proof of debt owed to you or XXXX XXXX XXXX. PDQ agency has not complied with the FDCPA and are now in violation of the act. They need to immediately remove the collection listing from my credit report or I will file lawsuit because you are in violation of the FDCPA, section 809 ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've been attempting to get the inaccurate information being reported by Experian removed from by report. XXXX  and XXXX  has revolved this matter without any issues and have updated this information of my credit report. I've submitted proof that these public records being reported by Experian have been unverifiable, also requested information used to confirm this information reported by Experian as accurate. This company has neglected by previous request and have violated the FCRA as they have not been able to provide this information as requested on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I'm simply requesting that this information be removed as they've violated Federal law. Experian has yet to provide any supporting documents as requested due to the fact that this information is being reported inaccurately by them and is impacting my ability to gain credit and financing for my dream home. 
BANKRUPTCY CASE # XXXX BANKRUPTCY CASE # 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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called the IRS and took measures into my own hands. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
XXXX XXXX gave my account to a collection agency. I never received any correspondence about an overdue bill. Neither XXXX XXXX nor the collection agency sent me any emails. They claim that the USPS returned the correspondence. XXXX XXXX placed the collection record on my credit report with the 3 agancies and this downgrade my credit score,  which is now costing me money. This was the final bill for a property that we sold. We filed a change a forwarding address with the USPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX  XXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX  XXXX {$6800.00}

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX  XXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6800.00}

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 2020-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I had a heloc inXX/XX/XXXX with Bank of America. In the amount of {$56000.00}, of which I received ONLY {$25000.00} in XX/XX/XXXX. 
The HELOC reached a high balance of {$100000.00}, I believe, unbeknoweth to myself prior to XX/XX/XXXX. I learned of this error high balance upon speaking with a BOA representative while attempting to correct the item with the credit bureau. 
This item was on the file with the credit bureaus, in error, exceeding the seven year statute, from XX/XX/XXXXthru XX/XX/XXXX. 
I had great difficulty having this fraudulent act removed from my credit file. 
BOA charged off the account in XX/XX/XXXX, and sold the account to a collection agency, who I spoke with and are attempting to collect on an outdated account. 
The property was sold at XXXX County auction for one year unpaid property taxes, which was the equity for the {$56000.00} BOA HELOC. 
I never received a BOA bank statement concerning my HELOC deposit into my BOA checking/savings account, nor did I receive any deposit interest on the {$25000.00} that I initially received in the BOA HELOC, which possibly accrued interest adding up to over {$1000.00} per month for years, I received no withdrawal statements from BOA amounting to over {$81000.00} in transactions. 
I received a letter from BOA stating thefts from accounts at BOA and mine may have been affected in XX/XX/XXXX. 
In XX/XX/XXXX my BOA account had Overdraft fees for checks written on my account amounting to over XXXX XXXX dollars in less than one month, this did not include the amounts of the checks, which I know not, who wrote the checks, because I received no bank statements from BOA and I had an all time consuming fire in XX/XX/XXXXallegedly caused by a XXXX recalled fan motor. 
A successful Civil tort was pursued by XXXX  on my and XXXX  behalf of which I received XXXX proceeds for my demolished home insured by XXXX XXXX XXXX. 
Identity theft of myself by a BOA employee and fraudulent monetary gains activity, I suspect in this Bank of America matter. 
Again, I received only XXXX of a XXXX BOA HELOC with no interest added to my savings or checking account, that I received Not an amount of XXXX as BOA is alleging and investigating. 
I did not walk in and unlock the {$56.00} HELOC, as us required by BOA. 
I am ignorant to the dates and times and locations of the unlocking my BOA HELOC to the unheard of amount of {$100000.00}. 
The property in question was originally purchased in XX/XX/XXXX by myself for {$18000.00}. 
The HELOC loan amount of {$550.00} per month was more than it should have been on 4.5 percent interest rate for a {$56000.00} 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 2020-04-03 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: AZ

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My purse was stolen leaving a grocery store on XX/XX/XXXX. I called Bank of America to report this on XX/XX/XXXX. My credit card had been used several hours after it was stolen in the middle of the night at a local XXXX for {$310.00}. I filed a report with XXXX NC Police Department. The detective investigating the theft is XXXX XXXX, case # XXXX. On XX/XX/XXXX, I received an email from Bank of America issuing a temporary credit for the amount of {$310.00}. 

On XX/XX/XXXX, I received an XXXX XXXX. phone call. By the time I could get to the phone downstairs, the caller was gone and there was a message saying they they were not paying the claim. No way to call back. I also received an email denying my claim which stated " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I did not ALLOW anyone to use my card. I called Detective XXXX and he said they should not be charging me and asked for their phone number. I wrote Bank of America on XX/XX/XXXX and send the attached letter registered mail. I received an email reply saying I would hear from them in the near future. I did not hear from them. I called the number on the email XXXX and explained the situation to XXXX in Texas. He said to deduct the amount from my bill and pay the rest which is what I did. I thought I was talking to someone in the fraud department but realize now after talking to XXXX XXXX that it was a call center. 

I also went to a local branch of Bank of America to try to talk to a person but they told me that they do not handle anything to do with credit cards and gave me an XXXX  number to call. 

The charge was still there on my XX/XX/XXXX statement. I called again. This time I spoke with XXXX in TN. She said she was not allowed to connect me with an investigator but that she would have them call me back. No one has ever called me back. 

This brought me to your website. I went through several pages of claims on your website, many for Bank of America, some very similar to mine. I have been a customer of Bank of America for XXXX  years and I felt safe with them as they have had such good customer service in the past. I am very surprised and disappointed in the way this has been handled. I am retired and living on social security. I hope you can help 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 monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called the IRS and took measures into my own hands. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report.

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called the IRS and took measures into my own hands. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report.

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 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a Wells Fargo business checking account in XX/XX/2019. I was promised a {$1000.00} promotional bonus which I still have not received. I have called and emailed multiple Wells Fargo agents/representatives and they are not honoring the promotional bonus promised. They have denied me my bonus.

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to remove A fraud alert. I was told it was remove weeks ago and it was gone for A couple days and then placed back on without my permission. 

equifax is causing me damages for not being able to access my credit. 

ive submited 3 forms of identiy ssn card driver license passport

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am having trouble with Citibank. Due to the COVID-19 outbreak, XXXX XXXX, which I have owned for 40 years, has declined. I began contacting Citibank at the beginning of XXXX because I knew I would be unable to pay my credit card payment which was due on XX/XX/2020 in the amount of {$160.00}. I called no less than 10 times trying to reach a solution with Citibank, but they have been unresponsive and I was constantly advised to " call back, we're working on it, no email from upper management, etc. '' I was concerned about late fees, being reported to the credit bureau and also my interest rate being increased. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, account specialists, the collection department, the client focus team, all to no avail. I received another bill yesterday which included a late fee of {$29.00}, my interest was raised from 12.99 % to 29.990 % due to my " credit performance, '' and I was told that I would be reported to the credit bureau. Please be advised that I am XXXX years old, have an EXCELLENT credit rating, and have not made a late payment in YEARS. This action is unconscionable during a time when many people are losing their jobs. I am a senior citizen and have been quarantined for more than three weeks since I am in the XXXX XXXX area. I eventually made the payment but had to borrow money from my son in order to do so. Can you please help?

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