vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX  XXXX {$110000.00}

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 2020-06-30 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: MS

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$950.00} XXXX   XXXX {$15000.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I had a closed, chargeoff account with credit acceptance corp. it has been showing a closed status since XXXX. In XXXX of XXXX, it now is open with two recent missed payments showing. This is trying to re-age this account, and that can not happen.I sent the company a letter about this over 60 days ago, but have not heard from them.

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 2020-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I called the company back in XXXX as well as XXXX but due to the pandemic I never got a hold of anyone XXXX I spoke with them as well as left on their voicemail that I was requesting a repayment or forbearance plan due to the COVID when I spoke with the manager ( XXXX XXXX ) finally he told me that cares act didnt apply to me because I was in tx and already late and to submit documents XXXX XXXX was contacted which I have recorded by voicemail multiple times when I called in I found out they were calling g my sons old number that didnt work and that number was never given to them we have had same number since they have had our loan in XXXX I received a letter from their attorney stating they had sent this to foreclosure. Every time I spoke with someone I ask for a work out plan or forbearance and they told me I didnt qualify once being told my loan was with XXXX XXXX but today was told that they didnt have to follow any kind of forbearance since it was in foreclosure already ( submitted after cares act went into place ) multiple phone calls, emails etc I had a hud Councelor call he was hung Ill on first time but because of him I finally got a reinstatement which included {$2500.00} In fees I just want a repayment plan I wanted a forbearance during all of this and now we can make payments but they never worked with us, I sent paperwork in and have proof and they say they didnt get it. I also spoke with XXXX today about the 40 pages On this website stating they are supposed to offer us some type of plan and she said I had to submit a document package but she could not guarantee anything this late and I would need most of the reinstatement because I didnt speak with them and I didnt turn in paperwork I also think it is strange how now theyre owned by an investment firm and it seems better for them to let out home forclose than work with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: MS

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$950.00} XXXX   XXXX {$15000.00} CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-06-30 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: MS

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$950.00} XXXX   XXXX {$15000.00} CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XX/XX/XXXX Six unauthorized transactions were noticed in our account. Three each from people we do not know. Very typical debit card fraud. Paypal recorded telephone line says they could not take our call. They did not offer a return call, they just sent us to their website. We disputed the charges on the website. Received email denials XX/XX/XXXX, XX/XX/XXXX on our cases saying the charges were authorized. They were not authorized but no-one will answer our call after numerous attempts to explain why they made this determination.. The amount is approximately {$180.00} and we did not make purchases or authorize any purchases. There is no description of what was purchased. This is purely negligent on Paypal 's behalf not to give us an explanation why they denied our complaint but more importantly we can not speak to anyone after a week of attempts by phone. They simply say on a recorded line they " do not have the personnel to answer a phone call. '' Q : Isn't a bank required Not to be closed for more than 3 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit card was put into collections despite the fact that I have been paying on it. Credit report shows that the card was first delinquent on XX/XX/ and immediately went into collections on XX/XX/. My bank and also XXXX   show that this is not true! My card wasn't delinquent on XX/XX/ or XX/XX/. In fact I have continued paying all the way up until now ... There are missed payments after the fact. However that was after they stopped sending me billing statements. I was not notified of them sending my card into collections. Had I been, I would have disputed it at the time it happened. 

I have called Citi Bank and they give me the run around and hang up on me. Or transfer me to XXXX  who turns around and tells me to call Citi to resolve this. At this point I am frustrated. 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 explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander usa, made arrangement with me on this loan, and then repoed the car, they would call my phone and tell me that I was going to XXXX  if I didnt pay my car note, they would call all thru out the day ring my phone and hang up and then call back and ring phone and then when I would tell them I spoke with someoen they would hang up on me. I had moved to Georgia when I purchase the car they didnt update my new address they kept sending stuff out of state which I resided in XXXX, GA never sent me an 10 days notice to pay the bill, or 10 days notice for my rights to get the car back, they kept all my items and sold the car. Then sent me a bill for the same amount of the car saying I owed it. When I asked them to provide me the information on how much they sold the car for and copy of my 10 days notice to regain the car back i never got any information from them. They kept hanigng up the phone on me and never trying to resolve the account except I owed. TO date they are reporting me negativly to the credit bureas on the car as though Im late and they charged this account off years ago. I demand they remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a wire transfer of {$430000.00} yesterday from XXXX XXXX XXXX XXXX ( XXXX  ) to Citibank to my fathers account. XXXX stated that the funds left my account on XX/XX/2020 at XXXX. As of XXXX on XX/XX/2020 the funds were not placed in my fathers account. I believe Citibank is holding the funds for some reason and not crediting them to my fathers account. He needs this money to pay NYS taxes. The reason for the wire transfer was so that he could have access to the funds 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 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr XXXX called me today from the phone number +XXXX ( XXXX ) XXXX, every time he calls he makes me Upset. He initially said I approved for an amended forbearance payment and my interest rate was reduced to 3.25 % but I never received the letter stating that. I asked him to send me that letter to which he said that it is already closed out because I opted for forbearance extension and I told him I did not ask for that, I only asked him to send me that letter which was approved, I have no proof that I was approved for the pandemic amended mortgage payment. He repeats himself million times and makes the customer frustrated. For a small sentence he takes a long time to complete wasting customers time. 

I also asked him to send me a letter with synopsis of our conversation what we had today, to which he said that the pandemic forbearance amended payment has already been closed out. 

That XXXX me off. 

Secondly I asked him if he can send me the XX/XX/2020 amended monthly payment statement as I already made the {$180.00} payment on Friday to which he said that it will take another 3-4 business days for me to receive it. Now I dont see any reason that why it takes so long for mr Cooper to send an amended payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
I disputed the account XXXX ( XXXX   XXXX XXXX ) {$1000.00} with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX  XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX  XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX ( {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist

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 2020-06-30 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:
I disputed the account XXXX ( XXXX   XXXX XXXX ) {$1000.00} with Equifax, XXXX and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX  XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX  XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  ( {$3500.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with Equifax, XXXX  and XXXX   and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with Equifax, XXXX  and XXXX   and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX ( {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A TREMENDOUS DROP IN MY CREDIT SCORE. I HAVE ABSOLUTELY NO IDEA OF WHO WOULD HAVE GAINED ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I purchased my home on or around XX/XX/2008 and financed {$130000.00} on a 30 your mortgage. Over the past 15 years we have had 3 different mortgage company, not by our choice. in the same time span due to personal illness and job loss a couple of times i may have missed 8 or 9 payments. So in the last 15 years i have had roughly 180 payments at or around {$1200.00} ( includes escrow taxes that i am aware increase incrementally yearly ) to make and have made roughly 170 of those payments through the last 15 years. Most recently with our current company who was using foreclosure to force us to refinance again because we were 2 months behind on payments has us paying more than we did at the start of the loan. the loan now i just noticed is financing {$150000.00} for the next 40 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dyck-O'Neal, Inc.
State: NY

Complaint narrative:
Dyck Oneal is falsely reporting a collections account as an unsecured loan. I did not take a loan with this company. The debt owed was a settlement on a short sale of a property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2020 I was looking through my account and noticed a transaction I had never seen before. It ws {$150.00} going to some unknown company in XXXX. I immediately contacted the bank and stated, I needed my money as I could not afford to lose anymore money..Living off SSI which has been going to American Express for years XXXX But ironically it was very noticeable how when my stimulus money came in things internally started to come apart. More and more little transactions started to flying out of my account. Its been a nightmare for many reasons these are People in the XXXX you can never understand what their are saying. Extremely bad English!! This is what happens when you out souce work in America. They're profoundly rude and disrespectful of this process we have here in America!! In the end they blew me off and told me basically to go kick rocks and they're refusing to return my stolen money. I did what little research I could on this fake internet site. By clicking on the link in the email sent to me by Amex. Express and it came back as a fake email. In all the years I've dwelt with this bank never ever before have I seen this.!! Still don't know what it truly is. I believe the theives are in the Bank. It's and inside job. It makes No sense at all.!! Please help me get all my money back and there some criminal charges that can be brought against them. This is now over {$200.00} I can't afford to lose that kind of money. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 including a bankruptcies. 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   XXXX {$1400.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX   XXXX {$1600.00}

Company response to consumer: Closed with explanation