vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have a loan with USAA SAVINGS BANK and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and USAA SAVINGS BANK and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

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 2020-08-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a loan with XXXX XXXX XXXX  and WF CRD SVC. I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX and XXXX XXXX XXXX and WF CRD SVC with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My social was stolen in XXXX in XXXX Georgia I did my police report and I call the 3 bereus to tell them. But yrs Past and it got worse. Now I got hack all my account information my emails my phone numbers. They have take car loan student loans and personal loans. Im tired of this night mare I have not be able to used my benefit of my social for 20 yrs and the only thing I get is call just to pay bills that are not my .. I want a solucin and get reward for the yrs I lost I disbute a lot of account but in the 3 bereus they have not erase nothing that they closed. I call and they never respond so they can help me more so they can take out the information that I have not used. My social is lock. My email have been hack XXXX XXXX XXXX everything is hack they have all my information. Is a night mare

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was affected by COVID-19, I lost my job, I reported to OPORTUN the financial companies that I could not continue to temporarily make my payments due to the pandemic. they replied that there was no problem. my last payment day is on XX/XX/2020 and until that date I deviated {$3300.00} dls. I got my job back on XX/XX/2020 I made a payment of {$110.00} USD on XX/XX/2020 and I realized that they were charging me interest for {$430.00} USD. they did not mention those charges. they didn't say anything when I notified that I was affected by COVID-19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit report credit information does not match other credit reports XXXX not XXXX XXXX, My Experian score is more than 40 points lower using the same credit scoring system, I looked at the accounts and credit information is wrong

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 2020-08-06 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: CA

Complaint narrative:
XXXX/XXXX XXXX XXXX  XX/XX/2019 inquiry date Did not approve of it

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 2020-08-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I FILED BANKRUPTCY AND INCLUDED THEM IN IT AND CITI bank sent it to a collection agency which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports CITI BANK {$2300.00} COLLECTION AGENCY XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet

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 2020-08-06 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: NV

Complaint narrative:
These are not my accounts, nor have I authorized these companies to run my credit. Please remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
PREVIOUS CHASE LOAN NUMBER XXXX THE ABOVE LOAN WAS TRANSFERRED TO XXXX IN UTAH AS A NEW SERVICER ACCORDING TO CHASE LETTER IN XX/XX/2020. 
THEN WHY ARE CHASE INTERFERRING WITH MY HOME INSURANCE WITH XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NV

Complaint narrative:
These are not my accounts, nor have I authorized these companies to run my credit. Please remove it.

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 2020-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
Since XX/XX/2011 I started my payment plan. Please see attachment from XX/XX/2011 payment for {$150.00}. 
I would like to dispute and get refund because my financial account have been charged off and closed so it was already too late but the debt agency still accept and collect funds when the account was closed. And it was too late the financial institutions is still saying Im suppose to pay by XX/XX/2011. But the agency still told me I could reopen the closed account and I could start the payment plan but it was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I FILED BANKRUPTCY AND INCLUDED THEM IN IT AND XXXX bank sent it to a collection agency which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports XXXX XXXX  {$2300.00} COLLECTION AGENCY XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet

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 2020-08-06 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: ALLIANT CREDIT UNION
State: NV

Complaint narrative:
I have a loan with Alliant Credit Union. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and Alliant Credit Union with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been going back and forth with XXXX  about this one unknown account on my credit report. By unknown I mean there is no creditor name, address, or phone number. I've written several disputes about this to no avail. I had no way to reach the creditor to have the debt validated and I find that extremely unacceptable. I really hope you can do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: CA

Complaint narrative:
I have contacted Experian several times regarding this issue and they will not remove the inaccurate information from my credit report. Listed are two Bankruptcy that does not belong to me. Experian claims that they have " Verified '' the items as accurate, with the United States Bankruptcy Court. I contacted the US Bankruptcy Court and spoke with XXXX ( Chat ) attached. She stated that they do not report information to the credit bureaus and that there was a separate company by the name of XXXX that Experian is using to obtain information.XXXX  is not listed as " Information Furnisher '' as well, full social security numbers are not provided for public use by XXXX. How did Experian " Verify : this information if none of the address information matches my credit report and they do not have a " Full Social Security Number to confirm this even belongs to me. With this said there is Reasonable Cause to believe this information is inaccurate reporting on my credit. Because I have made Experian aware of this, and they continue to report, they are willfully and KNOWINGLY reporting inaccurate information on my credit. Attached is my, Driver License, Social Security Card, Chat Transcript for US Bankrupcy Court, and Utility Bill in my name. All documents that was also forwarded to Experian. I am submitting this complaint because, Experian claim to have Verified, Unverifiable information. This is against the law. I need these items removed from my credit promptly.

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 2020-08-06 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wellsfargo Bank NA/XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX received an order to withhold money from my account from XXXX  XXXX XXXX. Wellsfargo violated my rights because the property that was withheld is exempted under state & federal law : # 7 Veterans benefits ( 38 U.S.C 5301, 42 U.S.C 659 ( a ). Order to withheld was never served as required by law causing financial hardship.

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 2020-08-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
LOAN NUMBER XXXX MY MORTGAGE LOAN WAS TRANSFERRED TO SPS IN UTAH AS A NEW SERVICER ACCORDING TO XXXX LETTER IN XX/XX/2020. 
SPS REFUSED TO DIRECT BILL TO XXXX XXXX FOR MY HOME INSURANCE AND CREATING ANOTHER SPS FRAUD. 


Sent : Tuesday, XX/XX/2020 at XXXX XXXX From : XXXX To : XXXX  XXXX Subject : My Coverage Info Information Received Thank you for submitting your document ( s ) using MyCoverageInfo.com/sps. This email is to provide confirmation that your information has been received. Please do not reply to this message. 
*********************************************************************************This e-mail message and all attachments transmitted with it may contain legally privileged and/or confidential information intended solely for the use of the addressee ( s ). If the reader of this message is not the intended recipient, you are hereby notified that any reading, dissemination, distribution, copying, forwarding or other use of this message or its attachments is strictly prohibited. If you have received this message in error, please notify the sender immediately and delete this message and all copies and backups thereof. Thank you. XXXX XXXX also USPS mailed twice ( 2 ) my property insurance Binder to Alleged Select Portfolio Servicing Inc & Its Successors Or Assigns. XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
Velo Law is claiming I owe a debt to a place I have never even visited for a purchase I never made. The items purchased were not items I own nor have I ever been in possession of and the address ( Hazard/Hazzard ) used by the person who purchased these items I have never lived at. My name is a very common name and my identity has been stolen before. When I requested proof of my signature for these purchases and a list of what was purchased it was never provided. I was just told it was proven to be my debt but I was never given proof as to how they came to that conclusion. I want this debt removed from my credit report because it is not mine!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I applied for loss mitigation assistance with my loan servicer, Fay Servicing, due to financial hardship resulting from a house fire coupled with a decrease in household income. However, due to extensive delays with Homeowners Insurance releasing funds for repairs/fire restoration expenses, my home is unoccupied and has remained vacant for several years. The mortgage is severely delinquent, while we are forced to maintain temporary housing until our home is repaired & suitable to live in. We have exhausted all efforts and options available and are only met with resistance and indifference from our lender/servicer, which has changed many times over the years. As owners of the property our home retention efforts have been denied and/or ignored. We are in immediate need of assistance to finally resolve this ongoing issue, which has caused a significant and unnecessarily lengthy hardship to our family, including prolonged displacement, the financial burden of maintaining temporary housing, severe credit damage, and extreme emotional and mental stress. Thank you in advance for any assistance or advice you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: FL

Complaint narrative:
Well i was hack into on my computer where serveral prepaid cards i have were used to a sight called XXXX and my cash app which i am having problem with them refunded all the charges i did not authorised, i am a XXXX XXXX i have a XXXX XXXX XXXX XXXXXXXX i am XXXX years old on XXXX i was XXXX  in 2016 very badly and now i suffer from many XXXX things, the company is cash app that my pre paid card ending in XXXX i dont know the name of the bank they only refunded the XXXX statement XXXX charges XXXX, XXXX, XXXX and XXXX thats all they did this goes back to XXXX in XXXX where it started XX/XX/XXXX XXXX and XXXX XXXX XXXX for a total of XXXX XXXX charges XX/XX/XXXX XXXX charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a total of XXXX XXXX Charges are a total of XXXX for dates XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX total is XXXX dates XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX the grand total of refunds owed to me are {$420.00} thats halve of my rent i am being evicted for not paying my XXXX rent please help me get my money back

Company response to consumer: Closed with explanation