vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
I had my paychecks garnished. Paid in full. They are trying to garnish my wages again and take my taxes too. It has been paid for a year, not to mention it is a different amount than I had originally owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: FL

Complaint narrative:
To whom it may concern, this is my third attempt to correct my credit report due to fraudulent information reporting. Equifax and XXXX  have violated my rights under the FCRA and have refused to properly investigate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: DISCOVER BANK
State: MO

Complaint narrative:
I submitted an application online with Discover Card on XX/XX/XXXX. I was approved for the Card. However, I never recieved the card due to Discover closing my account. I contacted Discover on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for discover card to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER DISCOVER CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted an application online with XXXX XXXX onXX/XX/19. I was approved for the Card. However, I never recieved the card due to XXXX closing my account. I contacted XXXX on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for XXXX card to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER XXXX CARD.

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 2019-10-02 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: MO

Complaint narrative:
I submitted an application online with XXXX Card on XX/XX/19. I was approved for the Card. However, I never recieved the card due to XXXX closing my account. I contacted XXXX on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for XXXX card  to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER XXXX CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I graduated from college in XXXX. I submit an application for a private student loan consolidation to Sallie Mae in XXXX, who was eventually taken over by Navient. The total amount was {$33000.00}. I recently contact Navient for information in regards to my original loan documents. The only documents that I am able to obtain from the company is a private student loan consolidation application. Navient is unable to provide me with any type of promissory note that shows that I accepted the terms of the consolidation nor can they provide any proof that the original loans were actually paid off. The reason that I contacted Navient for this information is based on the balance of my loan decreasing very little over a 12 year repayment time frame. The original disbursement amount showing within the Navient website is {$33000.00}. I made payments between XXXX - current totaling {$33000.00}. The payments were allocating as the following : Principal - {$13000.00}, Interest - {$20000.00}, Fees - {$300.00}. My current remaining balance is still {$21000.00}. If my payments continue as they have over the past decade, I will end up paying around triple the amount of my original loan. I became unemployed between XXXX - XXXX due to being employed by a company that was involved with the XXXX XXXX situation. During the time frame of XXXX-XXXX when I was unemployed, I was only ever offered forbearances and now options to assist in payment plans of any kind. I had minimal income, however I always attempted to maintain my history with my student loan, however my intentions were not always realistic when collecting only unemployment funds for nearly 2 years. In light of the new information in regards to Navient/Sallie Mae targeting student loan borrowers to pay forbearances to maximize profits via interest payments has convinced me to file this complaint. Not only do I believe that I am a victim of predatory lending, I also believe that there is no documentation to back up that I even agreed to the terms within the loan application as I never signed any type of promissory note or a promise to pay in agreement with terms. I believe that all practices involved in my example listed have been predatory and not in the best interest of the borrower, however I put my trust into the company for 12 years. I have paid over {$33000.00} total and my balance has decreased by {$12000.00}. I still show an existing balance that I have yet to pay of over {$21000.00}. This is a perfect example of predatory lending, inappropriate allocation of payments and not housing appropriate documents for a consumer lending agreement. I have finally reached a point where I feel a complaint and legal action is in the near future as this is clearly an example of unfair practices and not in the best interest of me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Auto loan AUTO INSURANCE PREMIUM REIMBURSEMENT HAS RUINED MY PERSONAL AND BUSINESS CREDIT SCORES or reasonable working capital financing. The auto insurance coverage period in question is XX/XX/XXXX to XX/XX/XXXX ( same time frame as the account fraud ) and I did not get my refund until XXXX... which is almost 3 years later to finally get my initial check. Here is the series of events that ruined my credit : a. I sent Well Fargo proof of insurance in XX/XX/XXXX and I did not get my check until the first week of XX/XX/XXXX why would it take another 2 3 month on top of initially waiting almost 3 years b. So, I made the deposit and then c. a stop payment was placed on the check ( no explanation for why and no apology for one of many inconveniences ) and I was charged a {$30.00} stop payment fee. The check amount was for {$1500.00}. So a total of {$1600.00} was debited from my account. 
d. So then I told XXXX XXXX from Wells Fargo Dealer Services, I received the replacement check on XX/XX/XXXX and made the deposit today which means I won't be able to make the payment until the check clears on Friday XX/XX/XXXX or Monday XX/XX/XXXX ; e. So, of course, my credit score has been impacted by this going back to XXXX which is my point about collateral damage resulting in lower credit scores leading to predatory loans and is another part of why my business is suffering. This money was going to be used to catch up on my mortgage that I am already 2 months behind on and I will incur additional late payment fees. 
f. Of course, my reaction was disbelief as to why would a stop payment be placed on a check that I clearly provided to you a copy of proof of insurance certificate from my insurance company. 

So now my credit score has been damaged and I was denied a mortgage modification and was given a forbearance plan instead - due to everything that Wells Fargo has put me through with the account fraud and resulting collateral damages and especially the collateral damages from 8 + month long secret biased one sided investigation. So my credit score needs to be repaired. 

I have attached a copy of the XXXX XXXX  mortgage  fo

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 2019-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX founder and XXXX XXXX XXXX XXXX XXXX XXXX and I am filing a complaint against cash app for thier fradulent services. They have closed my account three times and I can not cash out, send or recieved money. That's vwry unprofessional, they are holding my money, they won't even let me link mu bank or debit card. They have now closed 4 of my accounts and they talking about they can't or not allowed to give me a reason. They XXXX me off so much that I even threatened then harm if they dont give me my money or a reason! I am sick of Cash App!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX ( 11 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC SYSTEM ( 11 XXXX XXXX  XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SAMUEL I WHITE PC
State: MD

Complaint narrative:
The office of Congressman XXXX XXXX told me to fill out a form with CFPB in order to have this matter addressed. My home was stolen. My sisters and I inherited my deceased sister XXXX XXXX XXXX 's home XX/XX/XXXX through Probate Court ( small estate ) the address is XXXX XXXX XXXX. XXXX MD XXXX. XXXX passed away XX/XX/XXXX. I became sole owner XX/XX/XXXX through Quit Claim Deed. XX/XX/XXXX my home was fraudulently foreclosed by Samuel I. White  Law Firm representing XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX my family and I were illegally evicted by two men impersonating I have a XXXX year old XXXX XXXX   son who has been scared by people I believe they work for the law firm and/or real estate agents /developers. The occupants in my home are doing a rent to own on file with Land and Records they have a Special Warranty Deed and a Money Deed no bank was involved. 
I have been harassed and it continues today, my mail has been stolen, robotic signatures, my emails hacked, my incoming and outgoing phone calls have been forwarded to someone impersonating the company or me. I am currently living in XXXX MD XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MD XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 2019-10-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EDvantage LLC
State: CA

Complaint narrative:
TUITION OPTIONS LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/2019 XXXX HRS : CALLED CUSTOMER SERVICE AND ADVISED ME THE ACCOUNT IS CURRENTLY RESTRICTED, LOSS PREVENTION TEAM ADVISED BECAUSE THEY WOULD LIKE TO CONFIRM CHECK # XXXX WITH THE DOLLAR AMOUNT OF {$53.00}, ADVISED ME TO CALL ME DURING THE NEXT BUSINESS DAY. 

XX/XX/2019 XXXX HRS : CALLED LOSS PREVENTION, ASKED ME TO REFER THE MAKER OF THE CHECK TO CALL THEM AND NOTATE HER ACCOUNT. 

XX/XX/2019 XXXX HRS : MULTIPLE NOTATION HAS BEEN MADE BUT LOSS PREVENTION CHANGED THEIR MIND CLAIMING THEY WOULD LIKE TO VERIFY WITH THE MAKER OVER THE PHONE. ASKED ME TO CALL BACK AFTER XXXX HRS. 

XX/XX/2019 XXXX HRS : HAD BOTH MAKER AND ME ON THE LINE TO SPEAK WITH THE LOSS PREVENTION, BUT NOW THEY WERE CLAIMING THEY CAN NOT CONFIRM EITHER/BOTH OF OURS IDENTITIES. ASKING BOTH OF US TO STEP INTO A BRANCH. 

XX/XX/2019 XXXX HRS : LOSS PREVENTION ADVISED THAT THEY WOULD ALSO LIKE HAVE VERIFICATION OF THE TWO CHECKS ISSUED BY UNITED STATE POSTAL SERVICE ( XXXX ) XX/XX/2019 XXXX HRS : STEPPED INTO THE XXXX BRANCH AND ASSISTED BY A BANKER AT XXXX HRS. BOTH OF US PRESENT OURSELF WITH TWO PIECES OF PHOTO ID. 

XX/XX/2019 XXXX HRS : LOSS PREVENTION INDICATED THE ACCOUNT WILL BE CLOSED AND CHASE NO LONGER WANTS TO DO BUSINESS WITH ME. THE BANKER SAID I AM SO VERY SORRY BUT WE ARE PARTING AWAY AND YOU CAN NO LONGER DO BUSINESS WITH CHASE NOR I OPEN A NEW ACCOUNT FOR YOU XX/XX/2019 XXXX HRS : STILL AT THE BRANCH DEMANDING AN INCIDENT REPORT OR ACCOUNT CLOSURE LETTER, AS I INDICATED TO THE BANKER ( AND WE BOTH HEARD THE CALL RECORDINGS TOO ), THE LOSS PREVENTION DEPARTMENT NEVER BE ABLE HAVE AN ANSWER WITH CONSISTENCY. 

XX/XX/2019 XXXX HRS : BANKER CALLED IN AGAIN AND ASKED FOR DIRECTION, BUT THIS TIME LOSS PREVENTION INDICATED THEY WILL NOT CLOSE MY ACCOUNT AS LONG AS I CAN CALL THE CHECK MAKER TO COME BACK IN 2 MINUTES AND SPEAK WITH THEM OVER THE PHONE, AND GO OVER SOME TRANSACTIONS WITH THE BANKER. THE BANKER WAS TELLING AT THEM : WHY THE HECK YOU GUYS PUTTING THE INCONSISTENCY ON ME? ... THE VERIFICATION IS FINALLY COMPLETED EXACTLY AT XXXX HRS AND NO NOTICE OR LETTER HAS BEEN RECEIVED AT THIS POINT. 

-- XX/XX/XXXX : Visited a branch to remove account restriction XX/XX/XXXX : Visited a branch to remove an ATM card restriction XX/XX/XXXX : Visited a branch to remove an online access restriction XX/XX/XXXX : Account locked again XX/XX/XXXX : Visited a branch to remove account restriction XXXX : Account locked again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file over and over as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint multiple times and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Was trying to purchase soccer game tickets for a XX/XX/19 game in XXXX XXXX on XXXX, contacted seller they had me send {$1.00} via google pay on XX/XX/19 then send an additional {$330.00} via google pay on XX/XX/19 as well. After sending the second amount seller stopped responding to me and never sent me the tickets. I disputed with google and they informed me there was nothing wrong that the receiver did and would not pursue any action.

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 2019-10-02 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: CA

Complaint narrative:
XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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