vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}

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 2020-08-13 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}

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 2020-08-13 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$600.00} XXXX XXXX {$4200.00} XXXX XXXXXXXX {$4200.00} XXXX XXXX {$2700.00} XXXX XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
We received a forwarded letter and envelope inside of the wells Fargo envelope. The forwarded letter states we had an account in Oklahoma closed. We live in Alabama and never had any account with this bank. Back in the XXXX time line. The name was correct, the address was not. The back verifes that there was an account in my husbands name. Which has to have been a fraudulent account as he's never had any account with Wells Fargo bank at that time line. I called and talked with a specialist, that could not figure it out. He said to contact this site, so I am.

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 2020-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
Loan NUmber XXXX. 
This is in reference to a previous complaint XXXX which was started on XX/XX/2020. After going through with PennyMac and XXXX  associate XXXX XXXX and XXXX XXXX to have our son included to the loan, we were told that he is now included to the loan. Although we do not have any access to view of the inclusion to the loan since this is more a Server situation. The initial complaint was closed on XX/XX/2020. As per Ms. XXXX and her response to CFPB, it would take approximately two ( 2 ) billing cycles to reflect the process. On first time I called Ms. XXXX was due to a misunderstanding from me that require two billing cycles in early XX/XX/2020 when the ownership addition did not reflect in the monthly Statements. Then when XX/XX/2020 rolled by, again I called Ms. XXXX and left a message to let her know that the monthly statement still does not reflect the inclusion. It is now three billing cycles. I sent a message through their Message Center in early XX/XX/2020 concerning the inclusion. I still have not received any response from anyone in Penny Mac. But again, I gave Ms. XXXX a call twice and left messages on my concerns towards the end of XXXX week of XXXX 2020 since XXXX 2020 monthly statement still does not reflect the inclusion. I understand the ongoing situation nationwide. I am sure I have given enough time to remedy the situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As XXXX XXXX for a legally formed XXXX  entity, I phoned American Express on XX/XX/XXXX at exactly XXXXXXXX XXXX ( PST ). During this 33 minute call, I made it known that the XXXX I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the business cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my XXXX Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$1400.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a business account for which XXXX XXXX XXXX XXXXXXXX, then I believe American Express ' attempt to collect should be levied against the business entity. Not its employee. Furthermore, the CAREs Act was devised to protect consumers, both business and private, during this pandemic against unjustified negative credit reporting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was the victim of fraudulent inducement of employment. I was told my credit cards would be paid off for company use. The name and address of the alleged company is XXXX XXXXXXXX XXXX XXXX  XXXX of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, NY XXXX. I received a signed employment contract which I returned to my 'employer '. I was given the routing information for two banks to pay my credit cards in order to purchase equipment for export. The two banks are : XXXX XXXX XXXX ( Acct. XXXX, Routing # XXXX ) and XXXXXXXX XXXX ( Acct. XXXX, Routing # XXXX ). All payments were reversed onto my 3 credit cards ; XXXX, XXXX XXXX, Synchrony Sam 's Club MC. The address the shipments of what is now stolen XXXX equipment is : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX,. XXXX XXXX XXXX, XXXX XXXX. In the course of doing what I thought was my job, which was to send XXXX products for export, I was never able to create shipping labels to the XXXX XXXX address. My 'manager ' XXXX XXXX ( XXXX ) sent me labels. These items were either sent to or had the return addresses of three individuals in the United States ; They are : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) These three individuals are in on this scam. The FBI needs to visit these three individuals as I have proof they are part of this scam. I was able to attempt to send a package via XXXX  but it was returned to me. I will be returning the XXXX merchandise to the retailer I purchased them from. I need an agent from the FBI to contact me because I have an entire stack of evidence. In addition, some of the packages that may have made it out of the US to XXXX are sitting in customs and can be confiscated. I have all the shipping labels needed to accomplish this. I have contacted the XXXX XXXX XXXX XXXX in XXXX XXXX, attempted to contact the XXXX XXXX PD. I have opened a case with the Federal Trade Commission, the XXXX XXXX. The FTC report number is XXXX. Now Synchrony has cancelled every card I have PayPal, Sam 's Club XXXX. I personally cancelled the Synchrony MC because of the fraud.

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 2020-08-13 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXXXXXX {$600.00} XXXX XXXX {$4200.00} XXXX XXXXXXXX {$4200.00} XXXX XXXX {$2700.00} XXXX XXXX {$2700.00}

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 2020-08-13 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX   XXXX {$600.00} XXXX XXXX {$4200.00} XXXX XXXX {$4200.00} XXXX XXXX {$2700.00} XXXX XXXX {$2700.00}

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 2020-08-13 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: TX

Complaint narrative:
Im disputing the XXXX XXXX XXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 

XXXX XXXX XXXX {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00}

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 2020-08-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR

Complaint narrative:
We submitted a complaint to you in XX/XX/2020 regarding Rushmore Loan Management - # XXXX. They are now in violation of the CARES act which provides mortgage holders with USDA backed loans the right to request a 6-12 month forbearance in order to avoid foreclosure. We were granted a 6 month forbearance ( see the response to the complaint ) but the company states we still owe for XX/XX/2020 ( the request for the forbearance was made in XX/XX/2020 and the forbearance is immediate - refer to : www.rd.usda.gov/sites/default/files/USDA_RD_SA_COVID19.  ) They are also saying that no matter what the USDA & the CARES Act says, we will owe all of the past payments in one lump sum at  the end of the 6 months forbearance. We need assistance in ensuring that this company is held accountable to what is mandated by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: IL

Complaint narrative:
I went to my bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO HAVE THE FRAUDULENT ACCOUNTS REMOVED/BLOCKED FROM MY CREDIT REPORT. I HAVE ALSO FILED A POLICE REPORT, I HAVE REACHED OUT THE CREDITORS WHO ISSUED THE FRAUDULENT ACCOUNTS. THE CHARGES ARE NOT MINE, THE ACCOUNTS ARE NO MINE, I AM VICTIM MY KIDS ARE A VICTIM BECAUSE WE NEED TO MOVE NO ONE WILL RENT US A HOUSE, HOW FAIR IS THAT???????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I have been trying to call XXXX for two weeks with regards to an account that is listed on my consumer report. I have asked them to validate the account and verify the information on the account. They will not send documentation to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im disputing the XXXX XXXX XXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 

XXXX XXXX XXXX {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CL Holdings LLC
State: PA

Complaint narrative:
For the record, I have NEVER received ANY service and NEVER made ANY purchase from Jefferson Capital System LLC. I sent a formal dispute letter seeking validation of the alleged debt which Jefferson Capital System LLC received at XXXX on XX/XX/2020, evidenced by certified mail number XXXX XXXX XXXX XXXX XXXX. Jefferson Capital System LLC FAILED to respond with the requested competent evidence as per FDCPA, FCRA etc. After thirty days, I sent another letter giving Jefferson Capital System LLC another opportunity to EVIDENCE the alleged debt but Jefferson Capital System LLC continuously sent prints of alleged bills, but FAILED to evidence the alleged debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I then disputed the derogatory mark ( Jefferson Capital Systems ) with the Credit Bureaus. Jefferson Capital Systems was then REMOVED from my Credit Report, but IMMEDIATELY reinserted. It is clear that Jefferson Capital Systems is GUILTY of FRAUD AND DECEPTIVE BUSINESS PRACTICES! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: SC

Complaint narrative:
Systems & Services Technologies Inc. ( SST ) bought XXXX XXXX   loan accounts as XXXX XXXX where no longer allowed give military personnel loans. SST quickly renamed XXXX XXXX to SST XXXX XXXX. There was no transitions nor was the existing customer notified properly. This created a deliberate miss payment as part of XXXX XXXX loan model was ACH withdraw only in order to get a loan with them. By doing this, they generated massive amounts of late payments for the loans they hold. This gave SST the right to charge {$25.00} a day late fee 's to every account until paid in full, then they added {$25.00} web service fee and late charge for that. Once an account gets below a certain threshold they generate more late fees and misc charges to bring it back to prior threshold.

Example if I paid an account down to {$2700.00} only to be told I owed {$3100.00} cause of late fees I once paid off. When I contacted the service rep I was told to deal with it and there was nothing I can do but pay the fees, then my credit score drops 80 points a day after that call cause now I was 30 days late again and I never knew I was late in for the place. This company has been getting away with predatory conduct to the accounts they hold and further research shows they are illegally harassing other people with closed accounts, to even to go as far hurting other people credit lines with false calms they still owe money when accounts with the old XXXX company have been paid in full years prior to the loan buy outs. During current time and pandemic this company has ramped up its money generation with fake late charges and clams to scare people into paying them in order to not lose credit score placing or face fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I applied for USSA renters insurance online. I found that it was more than the insurance the storage company provided and paid out less, if a claim was made. I called to cancel the insurance, before I was access any fees. The woman told me that she could give me a better deal on the insurance. When she looked to find a better deal, she found she could not modify my insurance, because there was a problem with the system at that time. I said I would call back. I did not call back and was billed. In XXXX, my account was depleted and I got an ACH non-sufficient funds fee and they turned around and charged me {$25.00} for a return check fee. That's a lot of money for USAA to get from someone who didn't want their insurance and they couldn't help, because their system was down. I was also assessed 2X {$29.00} ACH fees on my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
CAPITAL ACCOUNTS was sent a letter certified mail on XX/XX/2020, with regard to a debt that appears on my credit report for XXXX XXXX : XXXX that was changed to XXXX on XX/XX/2020. CAPITAL ACCOUNTS was given 14 days to respond with validation for this debt, but as of today has failed to do so.

Company response to consumer: Closed with explanation