vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had someone steal my identity and they tried to get personal loans with two companies on XX/XX/2019. XXXX called both and tried to resolve the issue, and both hard inquiries are still showing on my credit report. I did not make these loan requests and have put a credit freeze on all my accounts. The two companies that the loan requests were made to are : XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.

Complaint narrative:
Remitly ( Exchenge money ) US. 


Yesterday, XX/XX/2020 I sent XXXX US dollars to my account in XXXX. 
They promised that the amount will be available today XX/XX/2020.  Now I received a message that my cash is available in my bank ( delivered ) but it's not. 
I've already check on XXXX, almost a hundred percent of the people has problem with Remitly Company. Please contact this company to stop the transaction because a lot of people has problems. 

I have the receipt : XXXX Full Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: NV

Complaint narrative:
On XX/XX/XXXX I sent Transunion a copy of a police report I had to file due to identity theft XX/XX/XXXX. I was currently living at XXXX XXXX XXXX, XXXX, XXXX  XXXX. In XXXX I moved to XXXX XXXX, XXXX. I have been having problems every since identity theft has taken place. My name is obviously getting mixed up with someone else. I have had it with these third party agencies reporting what they like with no documentation to validate erroneous accounts that are reporting. The burden of proof in court will be on the collection agency or the creditor not the consumer. I have requested multiple times signed credit agreements which I have yet to receive from no one. I will be moving forward with legal actions once this last dispute is submitted. No consumer should never have to go through this at no time in their life. Bankruptcies do not verify nor do they report to Transunion and third party companies do not have full social security numbers. Bankruptcy do not give information to no third party companies NEVER! XXXX XXXX is a third party agency and do not have full social security numbers. Transunion has not verified the bankruptcy because there is a FREEZE on XXXX XXXX  file. I do have receipt of that too. XXXX XXXX  XXXX XXXX, XXXX home lending and this Bankruptcy whom all are not of mine. Remove 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 2020-04-02 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: NV

Complaint narrative:
On XX/XX/XXXX I sent Transunion a copy of a police report I had to file due to identity theft XX/XX/XXXX. I was currently living at XXXX XXXX XXXX, XXXX, XXXX  XXXX. In XXXX I moved to XXXX XXXX, XXXX. I have been having problems every since identity theft has taken place. My name is obviously getting mixed up with someone else. I have had it with these third party agencies reporting what they like with no documentation to validate erroneous accounts that are reporting. The burden of proof in court will be on the collection agency or the creditor not the consumer. I have requested multiple times signed credit agreements which I have yet to receive from no one. I will be moving forward with legal actions once this last dispute is submitted. No consumer should never have to go through this at no time in their life. Bankruptcies do not verify nor do they report to Transunion and third party companies do not have full social security numbers. Bankruptcy do not give information to no third party companies NEVER! XXXX XXXX is a third party agency and do not have full social security numbers. Transunion has not verified the bankruptcy because there is a FREEZE on XXXX XXXX file. I do have receipt of that too. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and this Bankruptcy whom all are not of mine. Remove 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 2020-04-02 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:
There are two US Department of Ed showing on my credit report that are not mine! They have the same reference number of XXXX Every year this happens too, I receive notice that the Dept of Ed is going to garnish my tax refund then when they actually look into it they realize it's not mine!!! I never had an account with them. I don't know if some who's SS # is close to mine or it's my name but I do not have nor ever had two federal student loans.

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 2020-04-02 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:
There are two US Department of Ed showing on my credit report that are not mine! They have the same reference number of XXXX Every year this happens too, I receive notice that the Dept of Ed is going to garnish my tax refund then when they actually look into it they realize it's not mine!!! I never had an account with them. I don't know if some who's SS # is close to mine or it's my name but I do not have nor ever had two federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TX

Complaint narrative:
There are two US Department of Ed showing on my credit report that are not mine! They have the same reference number of XXXX Every year this happens too, I receive notice that the Dept of Ed is going to garnish my tax refund then when they actually look into it they realize it's not mine!!! I never had an account with them. I don't know if some who's SS # is close to mine or it's my name but I do not have nor ever had two federal student loans.

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 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
In reviewing my credit I found that Diversified Consultants was claiming that I owe {$450.00}, On XX/XX/2020, I mail a letter to them informing them that I am disputing the information and I would like them to send me additional information this alleged debt. After month past, and I did not received a response from them and I sent them a second letter asking them to send me information on this account. I would like to resolve this matter and I have tried to reached out to them on several occasions asking them to verify the information, If they can send me information that this account belongs to me, I would had a problem to set-up a payment arrangement or a settlement. I have reach out to another Debt collectors on a other Item I had on my report and I have received a response from other debt collectors. they send me the information that I requested. A couple days later they provided me with the information, I later called them and set-up a payment plan and the account is now resolve. Since, this attorney/ Debt collector has not been able to send me proof that this is my debit, I have given them a several months to provided verification that the alleged debt is mine. The debt collector continues to ignore my request. I don't know what else to do. I don't want to feel like I am being taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
-received a letter from Northwest Bank XX/XX/XXXX in short switch your checking accounts to new paperless electronic statements " Affinity Checking '' or get charged $ XXXX. for each account paper statement. 

-enrollment online process had a myriad of problems but completed by XX/XX/XXXX with tech support and email confirmation XX/XX/XXXX received in the time frame. 

-bank not honoring the statement on the original letter dated XX/XX/XXXX received by me XX/XX/XXXX in bold print stating " Enroll all your Northwest accounts by XXXX XXXX to get {$10.00} '' -multiple complaints and grievances made, they refused to give a reference or complaint number for each complaint at my request, last complaint was XX/XX/XXXX, always told will give to Complaint Resolution Team,  they never respond and several months later it remains unresolved. I have not received the {$10.00} promised for any of the 3 checking accounts I enrolled.

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 2020-04-02 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:
There are two accounts showing for XXXX XXXX  XXXX XXXX both for the same place. Also the amounts are not correct! There is one showing in the amount of {$3500.00} and one for {$3500.00} When I first started to dispute this Equifax was just reporting one not two and then they added another one after I started questioning the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Been a customers of citi bank credit cards have numerous cards with them. 
We called in the beginning XX/XX/2020 state we are small business affected from COVID 19 they said they would note the accounts and I would be able to make Payments because we are affected by the nation wide locked down I called them they stated they saw the notes but dont have any progress for COVID 19 affect My credit score Nevee missed a payment We called 5 time before They picked up Wait times horrible customer service misleading

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 2020-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
A series of unauthorized charges were made using my PayPal account. The charges are as followings : {$410.00} to XXXX on XXXX XXXX, 2020 {$350.00} to XXXX on XXXX XXXX, 2020 {$370.00} to XXXX on XXXX XXXX, 2020 I contacted XXXX on XX/XX/2020 to dispute these charges and file a complaint about unauthorized purchases. These complaints were denied and I appealed. During these conversations I learned that there was suspicious login activity on my PayPal account on XXXX XXXX and/or XXXX XXXX, 2020 and this was likely the cause for these unauthorized purchases. 

I also contacted by bank ( XXXX XXXX XXXX ) and credit card company ( XXXX ) as both of these accounts were connected to my PayPal account to notify them about the fraud. I was able to close the account with XXXX that was connected to PayPal so these fraudulent purchases would not go through. 

I was told by PayPal representatives that some of the appeals were granted and some were denied. I was given no explanation why some were denied. Instead I was told they would need to work with supervisors to get these denied appeals corrected. Instead, some of these fraudulent purchases are still being denied as fraud by PayPal and the are now trying to collect these as debt. 

Last week I was contacted by XXXX XXXX XXXX XXXX trying to collect {$760.00} from PayPal. This amount is related to the fraudulent and unauthorized purchases described above. I plan on notifying the debt collection agency via writing that this debt is based on fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02 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: International Computer Systems, Inc.
State: GA

Complaint narrative:
FIRST COLLECTION SERVICE Reported : XXXX. XXXX, 2020 {$110.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
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 am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citicard is charging me upwards of 24 % on a credit card I have with them. I called and asked for a rate reduction given the crisis we are in and the fact that I'm being given a pay cut at work. They declined my request. I find that a 24 % interest rate, for a customer with a 750+ credit score, a long history with the bank, and on-time payments, to be obscene and should not be allowed at this time.

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 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have attempted several times to resolve the issue of inaccurate/ fraudulent identity theft information on my credit report about a bankruptcy filing. I have asked Transunion to provide me with proof of the claim and nothing happened. I asked them to remove the inaccurate bankruptcy claim several months ago and I have been fighting with this situation for 6 months now. I referenced the Fair Credit Reporting Act and apparently it is being disregarded.

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 2020-04-02 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: MO

Complaint narrative:
I notified Experian National Consumer Center that they are reporting a fraudulent bankruptcy on my credit report on XX/XX/2019. 
I notified XXXX XXXX XXXX  in XX/XX/2019 2019

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 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I notified XXXX XXXX XXXX XXXX that they are reporting a fraudulent bankruptcy on my credit report on XX/XX/2019. 
I notified Transunion Consumer Solutions in XX/XX/2019 2019

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 2020-04-02 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: IL

Complaint narrative:
I have attempted several times to resolve the issue of inaccurate/ fraudulent identity theft information on my credit report about a bankruptcy filing. I have asked XXXX  to provide me with proof of the claim and nothing happened. I asked them to remove the inaccurate bankruptcy claim several months ago and I have been fighting with this situation for 6 months now. I referenced the Fair Credit Reporting Act and apparently it is being disregarded.

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 2020-04-02 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: LEXISNEXIS

Complaint narrative:
Notified Lexus Nexis XX/XX/2019 that a fraudulent bankruptcy was being reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX & XXXX XXXX, I received letters from Capital One stating they looked into a claim that I filed of fraudulent accounts. I NEVER filed anything or disputed anything. Since then I have reached out to capitol one many many times over the phone to keep getting the same answer that they are looking into the problem. on XX/XX/XXXX I spoke to capital one and they requested that I fax over letters to them stating that these accounts belong to me. To which I did. ( see attached ) after two weeks of waiting and phone calls again I still received no answer. On another call on XX/XX/XXXX I was asked to E-mail a copy of my driver 's license, social security card and a recent bill to which I did. ( see attached ) I have made numerous calls to capitol one and still have had no response to why my accounts remain restricted. All I keep being told is they are looking into it. As of today 's date XX/XX/XXXX almost 3 months later I called them to see if I could get an update. Got the same run around after being transferred to 3 different departments I got the same answer that they are waiting to hear back from the credit bureaus ... was told a month back it would take 30 days now today I was told it could take 60 to 90 days! something needs to be done, I have never been treated so poorly by a credit card company as I have been through capital one from NO FAULT of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
Beginning with our mortgage statement for the month of XX/XX/XXXX, we have had to request the copies because we did not receive in the mail. 
We did not receive statement until after we made requests for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the XX/XX/XXXX. 
Emails and phone calls have not resolved the issue and the servicer will not say if other clients are experiencing similar issues. They have not acknowledged a problem. They have not granted access to a portal online where the copies can be obtained.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation