vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: NV

Complaint narrative:
I filed a dispute with all three credit bureaus more than once now since XX/XX/2020 about accounts on my report that don't belong to me. Someone stole my identity and I filed a police report with XXXX XXXX Metro Police and identity theft report as well. After going back and forth multiple times with all three credit bureaus disputing these accounts they have still not been removed from my report. I provided everything they asked for and they have nothing showing my actual signature on these accounts or anything proving otherwise. They keep putting them back on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am the victim of a scam using XXXX. I contacted navy federal who I used XXXX to send the money to what ended up being a scam. I have a phone log with the representative of the company. Once the {$1000.00} was sent the scammer was gone and the phone calls and emails went unanswered. XXXX said there is nothing they can do although they are aware of these types of scams. The representative gave me his name email and phone number. I felt comfortable because I thought it was backed by my bank and in the banks app. Neither Navy Federal or XXXX offer any protection. Banks are not doing anything to help victims of these scams. I was trying to purchase a dog for my son. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: KY

Complaint narrative:
Today, at XXXX XXXX I received an email from my bank that a new PIN for an unknown debit card number under my name was on its way. I tried calling my bank but when I enter my information, I realized somebody changed my PIN on my regular debit card ( not related to the last four digits that came in the email ) I could change my PIN trough my bank app, but when I called they advise me to get a new debit card. I am fearing that my identity is compromised. Something similar happened to my mother when she tried to buy in a grocery store she continuously gets an invalid message when she enters her PIN number, somebody changed it without her notice.

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had this account back in 2014 and it was closed but it still reflexing my late payments on my XXXX, XXXX, XXXX  report. This shell card was used onced. And i fell on hard times financial. This late payment is over 6 years old, can we please remove it, i'm trying to qualify for a home for my family. Thank you

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America deducted {$230.00} from my California XXXX card on XXXX XXXX. I contacted the bank and that's when the lies started. I called the bank at least 3 times a week and was told its Ca XXXX who took the money, when all along Bank of America took the funds. Ever associate told me the same lie. One even gave me a couple so called confirmation numbers of the transaction between the XXXX and Bank of America/debit card. All the while this is a lie. Finally a " supervisor '' told me i had to talk with claims. So for another 10 days i would call and eventually put on hold. Shortest tine i waited was 3 hours 45 minutes. TWICE a day. Finally XXXX XXXX 2020 i got through to claims. She was rude and treated me/it like it was a fraud charge i was trying to pull off. Told me i would have to wait 10 business days. I shouldn't have to wait at all. Bank of America took my money so why do i have to wait for any investigation? Ive lost my cell phone because i couldn't pay the bill. I can't pay my full rent amount yet so eviction is looming. I would appreciate bring 4 treated with some respect by bank of America and compensated for my lost cell service and rent late fees. Thank you

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 2020-11-10 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- Specialized Loan Servicing ( SLS ) has made the mistake to put my account under forbearance in XXXX 2020, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted Specialized Loan Servicing more than 20 times since XX/XX/XXXX by phone to ask SLS to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to XXXX, XXXX, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need SLS 's help immediately to get this fixed.

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 2020-11-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX  XXXX  XXXX XXXX  XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/2020, a unauthorized transaction occurred on my Cash App account, account name $ XXXX. Specifically, a withdrawal in the amount of {$1000.00} was accomplished and another transaction of another {$1000.00} was attempted but I was able to cancel it. On the transaction that actually cleared, the funds went to " XXXX XXXX '' with a e-mail address of " XXXX ''. I immediately unlinked my XXXX  debit card from my Cash App account and then closed my Cash App account. I subsequently wrote Cash App to contest and complain about this unauthorized transaction but was told in a response that I needed to open a new Cash App account to do so. I then opened a new Cash App account, account name $ XXXX, and disputed the unauthorized transaction and then was subsequently told that since my original account was closed, they could not help me. I wrote them 3 more time seeking to resolve this issue with no success, and each time I received responses stating the same response. On my last communication, I specifically asked them to call me at my number of XXXX and they refused to do so. Each and every response received by them did not address the issue I was attempting to resolve with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I told them I paid SPS XXXX in XXXX on a XXXX I took out in XXXX to XXXX I. ask what the balance was they told me XXXX that was more than the original note and I stopped paying them until they forclosed that's when I sent them XXXX and they said XXXX went to interest XXXX went to attorney fees and XXXX went towards principal XXXX and now XXXX XXXX  is doing the same thing they have forclosed and sold my property and. XX/XX/XXXX Is my eviction notice I went from a 15 year mortgage to a 30 year modification there ain't no way this should happen to any one I got a mortgage audit that says they doing some illegal things and I'm not telling the hold story

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: MI

Complaint narrative:
I AM A RECOVERING VICTIM OF IDENTITY THEFT, MY IDENTITY WAS USED TO OPEN MULTIPLE FRAUDULENT ACCOUNTS, AND A BANKRUPTCY. I HAVE FILED A FEDERAL IDENTITY THEFT REPORT FOR FRAUDULENT BANKRUPTCY REPORTING ON MY CREDIT PROFILE, I HAVE TRIED MULTPLE TIMES TO RESOLVE THIS PROBLEM WITH TRANSUNION, AN INFORMING THEM THAT THIS MAY BE A MIX UP OF INFORMATION, ASKIN THEM TO POINT ME IN THE DIRECTION OF THE THIRD PARTY VENDOR, THEY HAVE NOT SUPPLIED ME WITH ANY INFORMATION, DENYING MY REQUEST, I HAVE ALSO SUPPLIED THE XXXX XXXX XXXX XXXX WITH THIS INFORMATION AND A COPY OF MY FEDERAL IDENTITY THEFT REPORT, AND THEY HAVE ASSURED ME IN WRITING THAT THEY HAVE RECEIVED MY DOCUMENTS AND HAVE ARE NOT REPORTING THIS FRAUDULENT INFORMATION TO TRANSUNION OR ANY OTHER THIRD PARTY VENDORS, OR CREDIT REPORTING AGENCIES. TRANSUNION HAS REFUSED TO REMOVE THIS FRAUDULENT INFORMATION FROM MY PROFILE AND HAVE REFUSED TO SUPPLY ANY SUPPORT OF THERE CLAIMS THAT THIS ITEM IS INDEED ACCURATE. I HAVE ATTACHED A PHOTO COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY TO VALIDATE MY IDENTITY, I ALSO HAVE INCLUDED MY FEDERAL IDENTITY THEFT AFFIDAVID TO SUPPORT MY CLAIMS OF THE FRAUD, AND THE FRAUDULENT BANKRUPTCY

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 2020-11-10 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: IN

Complaint narrative:
on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX  XXXX  XXXX XXXX XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I have contacted Bank of America multiple times that I need an explanation in writing why they have shut my LOC down .. I have never been notified in mail why they have terminated the line of credit .. I have been making monthly regular payments. I emailed and sent requests for them to contact me and never received any reply.

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 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I tried to send money to my brother who lives in XXXX XXXX, through Remitly. I wanted to send him more than {$100.00} but before using the Remitly application for the first time I tried with {$10.00} the minimum, the number of the transfer is XXXX XXXX XXXX XXXX so since yesterday I've been waiting and I've been sending all day a message trying to get my money back, and I know it's only {$10.00} but I think it's a mode of operation, to steal and not return small amounts. 

I made my complaint and they told me that they are going to contact me, and I asked the person who attends me through the chat a case number, and she let me know that she can not give me, because you can not disclose that information, which is why I present my complaint to you, you have to sit a presedent against these companies that act badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TX

Complaint narrative:
I have reviewed A copy of my consumer reports with XXXX, Transunion and XXXX and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at 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