vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On Monday, XX/XX/2021 at approximately XXXX XXXX  I was Sitting in the backseat of a car at the gas pump at a XXXX gas station on XXXX XXXX in XXXX Georgia The driver in the front seat passenger were in the store and while they were in the store two men came into the car put guns to my head and took everything I had. Two of my phones, my purse, and my wallet which included : my Social Security card, ID, license, bank cards, and credit cards. The robbers immediately began running through my account at gas stations doing ATM withdrawals ( which have cameras and should be able to be looked at ) XXXX to XXXX XXXX and Using XXXX XXXX from the phones they took from me. When I was finally able to get to a phone I called my bank Wells Fargo to dispute the charges and cut my card off. They Made a claim and cut my card off sent out a new card but updated the cards on my phone that was stolen so the robbers were able to run through the rest of my bank account until I went into the negatives. When I noticed this I called again to file another claim. A total of XXXX was taken from my account. I filed over four claims all were denied. I tried to appeal the decision of the claims and provide a police report and I was denied again. I made a complaint about the decision to the executive office it was denied a final time and I was told that there was really no way of getting the money back at this point. I am submitting this complaint for myself because that was all the money I had to my name and Ive been without any money to my name, been without food, not able to pay my bills for the last month. I am a single XXXX year old woman and XXXX, I do not have a job and am completely independent so this is impacting my life very terribly I am willing to do whatever it takes to get my funds back. I did further research and typed in the numbers they sent money to and found names and addresses of people involved if that helps at all.

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 2021-08-22 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: NC

Complaint narrative:
Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by me.

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 2021-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I was contacted around XX/XX/2021 by a Capio Partners representative who said they were trying collect on a medical bill in the amount of {$300.00}. I asked whose name it was in and the lady said my name, which was a lie, but I have used this hospital before. So, I actually thought it was mine and she gave me the Acct number and address for me to send the payment too. I sent one payment of {$28.00} as I was mislead. 

I got the document from them on XX/XX/2021 and when I looked at the bill, the bill is for someone named XXXX XXXX, which I think was a friend of my ex-wife 's. Also they did not even spell my name correctly the addressed it to XXXX XXXX not XXXX XXXX. If the bill had actually been mine, I know the hospital has the correct spelling of my last name, but again this debt collector just told a blatant lie that they bill was mine and they could plainly see it wasnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc.
State: NY

Complaint narrative:
Alliance One has contacted me about an allege debt from another debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). They ( AllianceOne ) are not the party involved in said consumer credit transaction and has NEVER been given permission to contact me which is a direct violation of 15 USC 1692c. I've never gave them permission to contact me and muchness never gave them permission to contact me multiple times through ANY medium, telephone, mail, or email. I received communication from them on XX/XX/2021 through the mail about this allege debt. I then received a phone call on XX/XX/2021 about the same debt and in that conversation told them to never contact me again they said that they would, they used obscene and profane language during that phone as words that I found offensive was used. They called at a time I was busy and being that I NEVER told them to call me it was INCONVENIENT to me, the consumer which is a violation of 1692c ( a ) 1. Then I received another call about the same debt ( violation of 1692c ) on XX/XX/2021, I never picked up because again it was inconvenient. The other violations are in the file I uploaded mark as exhibit A. I responded on XX/XX/2021 which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21, telling them AGAIN to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g. Enclosed is the phone records of my incoming call for both days that I was contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
It all started with a credit repair agency by the name of XXXX. They were supposed to settle with several creditors. In the end they only settled with two. I was told by them that they had found a company that would pay off all the creditors that they were unable to settle with. The next thing I know it was Cash Call that supposedly paid off {$18000.00} to creditors. I did not owe that much. The payments were so high and me and my family are struggling. I called and spoke to a representative and explained my situation. The original pay was for $ XXXX, and now it's {$400.00}, like that is some help. I explained that I was on a new job making less money. I will be paying this amount until 2025. 
All the creditors that was supposed to be paid went into charge-offs. I can't understand if that is the case what am I paying Cash Call for other than a mean nasty deal that got. I have read that XXXX and Cash Call are in the same building in XXXX XXXX, CA. I feel I'm being preyed upon by this lender. I don't think they will free me from this ill-gotten loan on their part. Thanks for any advice or help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: LA

Complaint narrative:
I explained to the people at Equifax that someone has my information & has been trying to open accounts in my name. Please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On Sunday XX/XX/2021 I received an email from experian indicating that my email address was changed. 

I immediately tried to check what really happened as i never changed my email address or made any other changes to my experian account. I could not login to my experian account. I called experian and after talking to fraud and membership team, i realized that my email address, phone number on experian account was changed and I no longer had any access to my experian account. I tried to place a fraud alert and security freeze on my credit file at experian. Experian sent a pincode for the credit freeze but i did not get the pin at my email since that was changed. So at this time, the pin is with the person who has changed my account details. Experian asked me to wait for 72 hours before they could help in restoring 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 2021-08-22 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: LA

Complaint narrative:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.

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 2021-08-22 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: NJ

Complaint narrative:
I have noticed a few inquiries on my credit report I do not recognize

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 2021-08-22 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: NJ

Complaint narrative:
I have noticed a few inquiries on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VI

Complaint narrative:
Portfolio Recovery Associates never send me a notice of the debt. I wasnt notified about this debt in a timely manner. I wasnt aware of collection activity that can be addressed promptly. I found out about this debt ; I have questions about. I dispute the debt. However, Portfolio didnt notify me in a timely manner. The original creditor was provided with an updated address in the XXXX  however no notice was sent. Which, I know that FCRA 809 ( a ) was violated.

I contacted Portfolio Recovery Associates on XX/XX/2021, to inquire about the entry list on my credit report. I asked the man for a statement on the debt. He told me the balance of {$1400.00}. He offers a settlement of {$980.00}. I told him this is high. He asked what I can afford $ XXXX for settlement with payment installments to satisfied this debt. He said cant do that. He stated they offer a payment plan. My medication is XXXX per month plus doctor visits per month XXXX. Rent is XXXX not including food. I only receive is SSA of {$1200.00}. I told the collect rep the information about the health issues. I also told him about the XXXX  XXXX and had to moved away from XXXX. Im just try to recovery from all these surgeries. Portfolio Recovery Associates is hard to work with. They not providing information regard to the account. I dont even know account number. Lastly, we have global crisis with COVID 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
On XXXX, XXXX, XXXX, I entered into a contract with XXXX, an online car dealer, to purchase a XXXX XXXX XXXX. After discovering numerous negative reviews and a revoked XXXX  rating, I decided to cancel contract on XX/XX/XXXX. I confirmed with sales rep that car was yet to be shipped. I was refunded my {$500.00} deposit, and was assured that lender would be contacted, regarding loan agreement. I received emails confirming cancellation and informing me that car was relisted for sale. 

On XX/XX/XXXX, I received an invoice from Ally Financial, regarding the vehicle that was canceled. Ally states that they never received cancellation notice, and are attempting to collect payment for a vehicle that I do not have. Ally would not access any confirming emails that contract was cancel. Daily calls have been made since XXXX, in the attempt to get XXXX to contact Ally. All customer service reps stated they were unable to help, and would have to transfer me to the " Buy Back '' department. Each transfer resulted in either a dropped call, or a dead end voicemail. Despite leaving numerous voicemails, i have not received any call back from 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 2021-08-22 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: NY

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2021-08-22 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've noticed unauthorized inquires on my report and have reached out to both the company and Credit Bureau. These inquires are fraud related and were made without my authorization. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-23 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive received several emails from XXXX XXXX  and credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In XXXX of 2021 I submitted written requests to Select Portfolio Servicing ( SPS ) requesting a Forbearance Extension ; due to still being medically and financially impacted by the COVID-19 Pandemic. 

On XX/XX/2021 I received a COVID-19 Decision Notice/Assistance Letter ( attached ) from SPS in response to my written requests and document submissions for a COVID-19 Forbearance Extension. Upon reviewing the letter, the letter states that I had been approved for a Forbearance Plan, but lists a Trial Payment Plan Payments for the following months : Payment 1 - XX/XX/2021 : {$770.00} Payment 2 - XX/XX/2021 : {$770.00} Payment 3 - XX/XX/2021 : {$770.00} It is my understanding that under a COVID-19 Forbearance and/or a COVID-19 Forbearance Extension, that the entire monthly payments are to be paused in their entirety while under a Forbearance and/or a Forbearance Extension.

Here, SPS approves me for a Forbearance, but assigns a Trial Payment Plan ( Partial Payments ) for XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

As a result of being confused with the Forbearance Extension being assigned as a Trial Payment Plan with partial payments ; I contacted SPS by telephone and spoke to a representative who told me that the Forbearance with the Trial Plan Payments was the only assistance being offered by SPS. 

I explained to the representative that there must be a mistake and that I specifically requested and submitted the required documentation for a COVID-19 Forbearance Extension from the SPS Website, and what was offered to me by SPS was more of a Partial Payment Deferral Plan and not a COVID-19 Forbearance Extension ; which pauses the entire monthly payments for a specified period of time. 

The SPS Representative stated that the Trial Period Plan was all that was being offered, and stated that there was no other assistance that was being offered by SPS. I then asked the representative to escalate the matter to a Supervisor/Assistance Program Department to discuss the matter further and was told that a Supervisor was not available at that time, but a Supervisor would call me back within 24 hours.

At that time ; I asked the representative to have someone of authority in the Assistance Program Department to contact me back as soon as possible. As of today ; I have not been contacted by telephone, mail, nor the SPS Online Messaging System by a Supervisor or anyone from the Assistance Program Department to explain the Forbearance with Trial Plan Payments ; which is not an actual Forbearance Extension as I had requested.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: NY

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2021-08-22 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: MI

Complaint narrative:
I am a victim of identity theft. Some is attempting to open accounts in my name. I have contacted Equifax several times and no assistance. I am sending this request again with my identification to have this fraud stuff deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
My account on the Coinbase website has been under review since XX/XX/2021. 
I can not sell, buy or withdraw my money. I have contacted the technical support to unblock my account but they do not give me any solution ( attached conversation ).

When I open the Coinbase website I get the following message : ( Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. ) Six months have passed and there is no way to fix the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22 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: LA

Complaint narrative:
I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

Company response to consumer: Closed with explanation