vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I went to the My Wells Fargo branch on XX/XX/XXXX to apply for XXXX and was told all applications would be made online and the website would be ready on Monday XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX  theWells Fargo website stated they would no longer accept applications. 
I never had a chance to apply.

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 2020-04-06 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Early warning systems told me that the information that XXXX  XXXX XXXX provided to them was accurate. despite me proving with actual receipts from the date of incident. 
the date of incident is XX/XX/2020. Not XX/XX/2020 and the amount should say settled or paid instead of unpaid like they allege. 
Early Warning Systems also sent documentation regarding my case to an email address which I did not request and I need them to mail me the paperwork like I did request. 
Early Warning Systems clearly neglected to do any research or an investigation. They obviously didn't look at my dispute documentation I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I have fraudulently account that was place on my credit report onXX/XX/XXXX. I file a police report with XXXX and sent the report to company and all three credit bureaus. Company refuses to remove this negative account. Monterey collections services placed collection amount of {$11000.00} as ofXX/XX/XXXXand every year it goes up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed that on my Equilfax credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my Equilfax and XXXX  credit reports that I do not recognize. I would appreciate if this service correct their inaccurate information, also I do not understand why XXXX XXXX states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. XXXX XXXX never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: WI

Complaint narrative:
I am looking at my credit report and i am seeing hard inquiries that i did not authorize from : XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX  on XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX I did not give permission for the above companies to pull my credit. 


I also have a balance from an account titled " XXXX XXXX  " for XXXX opened on XX/XX/XXXX that i have not authorized. 

There is also an account titled " XXXX XXXX  " for XXXX opened on XXXX XXXX that i did not authorize and have no knowledge about. 

I also have a account under the name XXXX XXXX XXXX XXXX with a XXXX balance that is showing closed on my credit report. I was told this account would be completely removed once paid, it has not been removed.

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 2020-04-06 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: MD

Complaint narrative:
XXXX XXXX ( Account number XXXX ) is a XXXX XXXX that my daughter had and that has been placed on my files. I never signed an agreement for this XXXX XXXX. 

My daughter had me added as a person able to use the XXXX XXXX. PERIOD. I contacted XXXX XXXX and spoke to a representative. XXXX has no information on me other than my name. No address ... no phone number ... not my social or identifying information. This proves that I did not sign up for any liability on this debt. I explained the situation to the representative and asked her to provide a copy of any document I signed that would make me liable for this debt. She hung the phone up on me. 

I disputed this with the credit bureaus and they left it on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I got a notification from XXXX that Credence Resource Management collection account was on my XXXX  credit report in the amount of {$1400.00}, and ORIGINAL CREDITOR is XXXX XXXX. The account is opened on XX/XX/XXXX. I do not have any XXXX  services or credit or something like that. I believe this is a case of fraud or a data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 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: GA

Complaint narrative:
XXXX  Fraud Department : Remove fraudulent accounts from my credit 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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid my credit card bill in full on XX/XX/XXXX, and because my account is " new '' by some definition of theirs, the payment won't be credited in full until XX/XX/XXXX per their live chat representative. This causes my current available credit to be much less than what was promised, and leaves me without my promised cash-back rewards.

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 2020-04-06 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I was contacted via email from XXXX XXXX stating I was reported Deceased on my credit report. I contacted XXXX  who informed me Hyundai Motor Finance ( XXXX  ) had reported me deceased. I contacted XXXX  on XX/XX/2020 by phone and several more emails have been sent. I am still unable to get a credit score from XXXX. My normal FICO score has always been above 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 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery has blown up my phone with repeated calls, several times a day trying to collect on a loan thats long out of statute by over 10 years. Ive repeatedly told them to stop calling me. Theyve called XXXX times in the past XXXX weeks. I have the record on my phone log. When I block the number, they use a different one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I tried to Remove XXXX XXXX from my Paypal account, but got an error message. I immedately contacted support. I had a XXXX week conversation via XXXX XXXX with Paypal trying to get the account removed. They asked me to change browsers and repeated info in the FAQ and they tried but the account was never removed. 

About a week later Paypal charged the account that I asked them remove XXXX weeks ago and it created XXXX nsf charges totalling XXXX and they are refusing to refund the charges. 

The issue was reported to XXXX ID is XXXX. Additionally he refused to help me and answer questions about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
Over the past XXXX weeks since XXXX  has been under a stay at home order due to the CoVid19 pandemic I have been unable to work and have contacted Rushmore Loan Management on multiple occasions to try and arrange a deferrment/forbearance option. Even though XXXX has declared XXXX a federal disaster state, they are still not offering me any relief on my mortgage that they bought from XXXX XXXX XXXX  months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX ( Account number XXXX ) is a XXXX XXXX that my daughter had and that has been placed on my files. I never signed an agreement for this XXXX XXXX. 

My daughter had me added as a person able to use the XXXX XXXX. PERIOD. I contacted XXXX XXXX and spoke to a representative. XXXX has no information on me other than my name. No address ... no phone number ... not my social or identifying information. This proves that I did not sign up for any liability on this debt. I explained the situation to the representative and asked her to provide a copy of any document I signed that would make me liable for this debt. She hung the phone up on me. 

I disputed this with the credit bureaus and they left it on my file.

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 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX. I was trying to send my mother money using your Remitly App her name is XXXX XXXX XXXX XXXX to XXXX but the transaction has been on hold since Friday XXXX of XX/XX/2020. I want you cancel the transfer and send the money back to my account the reference no for the transfer is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am looking at my credit report and i am seeing hard inquiries that i did not authorize from : XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX  on XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX I did not give permission for the above companies to pull my credit. 


I also have a balance from an account titled " XXXX XXXX  " for XXXX opened on XX/XX/XXXX that i have not authorized. 

There is also an account titled " XXXX XXXX  " for XXXX opened on XXXX XXXX that i did not authorize and have no knowledge about. 

I also have a account under the name XXXX XXXX XXXX XXXX with a XXXX balance that is showing closed on my credit report. I was told this account would be completely removed once paid, it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am looking at my credit report and i am seeing hard inquiries that i did not authorize from : XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX I did not give permission for the above companies to pull my credit. 


I also have a balance from an account titled " XXXX XXXX " for XXXX opened on XX/XX/XXXX that i have not authorized. 

There is also an account titled " XXXX XXXX  " for XXXX opened on XXXX XXXX that i did not authorize and have no knowledge about. 

I also have a account under the name XXXX XXXX XXXX XXXX with a XXXX balance that is showing closed on my credit report. I was told this account would be completely removed once paid, it has not been removed.

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 2020-04-06 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: GA

Complaint narrative:
I noticed that on my XXXX  credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my XXXX and Transunion credit reports that I do not recognize. I would appreciate if this service correct their inaccurate information, also I do not understand why XXXX XXXX states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. XXXX XXXX never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.

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 2020-04-06 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I noticed that on my XXXX  credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my XXXX and XXXX  credit reports that I do not recognize. I would appreciate if this service correct their inaccurate  information, also I do not understand why Midland Funding states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. Midland Funding never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX/XXXX XXXX XXXX XXXX not mine

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 2020-04-06 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: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit 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 2020-04-06 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: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo agreed on XX/XX/2020, at XXXX XXXX   CDT, on XXXX, to give me a XXXX interest-free payment deferral on a personal line of credit account, because I lost my job as a direct result of travel restrictions related to the XXXX pandemic. Despite this agreement, Wells Fargo continued to process the automatic payment from my checking account on XX/XX/XXXX, causing my account to overdraw. I am now left with no access to any cash. I called Wells Fargos customer service line, and am now on hold, have been on hold for 1 hour and 5 minutes, with XXXX callers ahead of you in queue, with an average hold time of 1 hour 38 minutes.

Regardless of whether I am able to resolve this problem on the current phone call with Wells Fargo, I still request the CFPB investigate Wells Fargo 's practices around COVID-19 deferrals, as either their negligence or their deceptive practice has put me ( and likely others, given the volume of callers on the PLOC customer service line ) into a desperate financial position at a very vulnerable moment.

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 2020-04-06 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:
remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692XXXX, approved on XX/XX/1977 XXXX and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX  : OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC. 

no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for Appliances Agency Files Complaint Seeking {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.

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 2020-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I tried to contact the company for a deferment on my auto loan. They refused and I it offered 1 week extension.

Company response to consumer: Closed with explanation