vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have had two Fraudulent charges on my account with Wells Fargo in the last 6 months. One of them was made before I had even activated the replacement card from the first fraudulent charge. The credit card itself was not in my possession. One fraud charge is understandable, mistakes happen but two so close together especially with a glaring red flag like the card not being activated is inexcusable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2020, I noticed an unauthorized transaction on my ATM/debit card in the amount of {$200.00} from XXXX XXXX which is linked to my checking account. I immediately went on USAA online to dispute the transaction because I had not visited or shopped at the store on the specified day and to make things worse I had reported the ATM/ debit card lost/ stolen in XX/XX/2020. I called USAA on XX/XX/2020, and the representative stated the transaction was referred to their fraudulent dept. On XX/XX/XXXX I called USAA again to find out the status and the representative stated USAA would not refund me my money. I explained that the card had been closed three months prior so how could I make a purchase in June then I requested to speak to a manager. I was connected with another rep/manager who stated she was not sure why I was not given a refund but she could not review my dispute because it was sealed/closed. USAA did not thoroughly investigate this transaction and immediately declined to reimburse me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
Friday XX/XX/XXXX I went into the us bank branch in XXXX iowa XXXX. I submitted a us currency bill in the ammount of XXXX XXXX in exchange for another bill which was not damaged. Theres 75 % of the XXXX XXXX bill and both federal stamps as well as the whole president 's face and a whole serial code number ( XXXX ) and this note is legal tender for all debts public and private is also visible and all is legible. I will attach a photo as well below to give you a better understanding. The man who was servicing me as the branch manager XXXX XXXX, was very rude to me and was trying to claim he could not accept the american currency in exchange for american currency due to his " professional opinion ''. I quickly spoke with corporate office and the woman I spoke to there said she would refund it if she was there but due to XXXX 's clouded judgment and his now " Professional '' opinion as a banking branch manager may infringe upon the fact of the evidence provided below. I was calm courteous and was insistent that he accepted the bill due to federal law. As well as the circumstances provided. Thank you for reading I look forward to hearing from you and them. This legal tendered note is not deemed nonrefundable. It falls under qualifications of being redeemable to a financial institution.

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 2020-07-10 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: FL

Complaint narrative:
I noticed open accounts on my credit report that I did not consent I am not sure as to how someone accessed my information but I would like those accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX two duplicate fraudulent charges in the amount of {$16.00} were made on my Bank Of America credit card. On XX/XX/XXXX I contacted Bank Of America and filed a fraud claim. The claim was at first honored. On XX/XX/XXXX my fraud claim decision was reverted and I received a vague letter stating that my card must have been used without any factual data being presented to me, which I could take back to the vendor to dispute this claim further. 

Upon contacting Bank Of America about this matter several times over the next month, I was routed to various departments and individuals, spending countless hours on the phone, with no resolution. Their fraud department told me that they were " looking into this '' on multiple occasions, with no real progress being made. 

Today was the last straw that broke the proverbial camels back. After wasting another 30-45 minutes on hold with Bank Of America 's fraud department, I was told that this was not in fact a fraudulent claim, but rather a dispute and that I would have to speak to their dispute department. I sat on hold for another 45 minutes, only to be told by the dispute representative that this was a fraud claim, and all they could do was transfer me back to the fraud department. 

I have been a Bank Of America customer since XXXX and have spent hundreds of thousands of dollars with them. However, this does not seem to mean anything to them, as I just keep getting pushed around. Its less about the amount of the claim in this instance, but rather the fact that this is how they worm their way out of honoring a claim and how they treat their long term customers. 

If you have any fiscal sense, I would highly advise seeking another banking institution before trusting your funds with Bank Of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
. I have been consistently hounded by Mr. Cooper with respect to a debt they claim I owe. As I was in chapter XXXX, my bankruptcy attorney defended me to fight their motion to stay my chapter XXXX. Proof of payment was provided and the motion was withdrawn. This process held up the discharge of my chapter XXXX by three months. I was asked to provide copies of checks as far back as XXXX! Mr. Cooper did not have the account at that time a mortgage servicing company called XXXX did. Account was consequently sold to Seterus and then Mr. Cooper. I have consistently provided proof of payment that included check images and certified mail receipts. Given the nature of these companies I took the extra step and cost of always mailing my payments via certified mail. A week after my chapter XXXX discharge, I received a letter from Mr. Cooper requesting payment of {$7300.00}. This letter also asked if I had a lawyer, and for me to provide the name. This amount due is arbitrary as no accounting information has ever been provided. In fact, given my proof Mr. Cooper had no records detailing how they arrived at this amount. On XX/XX/XXXX my credit score was XXXX, when I checked today it was XXXX due to a report by Mr. Cooper that I am 120 days in arrears. I have copies of all my certified mail receipts to prove that I am not in arrears. So now my credit has been fraudulently ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: FL

Complaint narrative:
I noticed open accounts on my credit report that I did not consent I am not sure as to how someone accessed my information but I would like those accounts removed.

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 2020-07-10 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: FL

Complaint narrative:
I noticed open accounts on my credit report that I did not consent I am not sure as to how someone accessed my information but I would like those accounts removed.

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 2020-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX was very biased, contemptuous, and highly dismissive towards Myself and my XXXX XXXX. We attempted to open up a XXXX  account for one of our XXXX  called " XXXX XXXX XXXX XXXX today XXXX XXXX 2020. She blatantly lied and said that she could not look up our articles of organization. However, that wasn't the case she simply refused to look up the necessary document needed to open up the XXXX  account. She made us feel very uneasy she also made us feel like we had no right to be in a banking institution based off how we were dressed. XXXX stated that she'll only open up a personal checking account because she did not think our XXXX  was legit since we did not have a hard copy of our articles of organization on hand. She also stated very threateningly that if we did not fund our personal checking account by today that she would close our account. Just because we did not have a hard copy on hand does not mean our XXXX is not legit. She blatantly REFUSED to look up our articles of organization therefore we were unable to move forward with opening up our XXXX  account with FIFTH THIRD BANK. She also did not give us our necessary banking information such as account and routing number for one of our accounts. However, once we left fifth third bank we met with a banker at XXXX XXXX this banker was able to pull up a copy of the articles of organization that we needed to open up the XXXX  account.We happily moved forward with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AZ

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, AND THE THE XXXX XXXX XXXX ACCOUNT ONM Y CREIT REPORT IS THE FRAUDULENT ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT. THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, I HAVE REACHED OUT TO THE BANK AND THEY DON'T HAVE ANY INFORMATION ON THAT ACCOUNT. SPOKE WITH XXXX AT THE FRAUD DEPARTMENT AND EVEN HE HAS NO IDEA HOW TO LOCATE THAT ACCOUNT. THIS ACCOUNT IS FRAUDULENT.

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 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Cease and desist sent XXXX XXXX, 2020 and certified as delivered to debtor on XX/XX/ 2020 was violated by repeated, harassing phone calls on XX/XX/2020 ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Cease and desist sent XX/XX/2020 and certified as delivered to debtor on XX/XX/2020 was violated by repeated, harassing phone calls on XX/XX/2020 ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: SC

Complaint narrative:
I had my credit ran today XX/XX/2020 because I want to refinance my home but I was told I would be unable to do so because of two accounts reflecting badly on my credit history. The accounts are from XXXX XXXX for an amount of {$4900.00} and Child Support Enforcement. I have no idea what these accounts are for or who they belong to. I did not open them nor have I ever opened any other account with those companies. I did not authorize these accounts to be opened in my name nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I did not take part in any purchases or payments that might have been made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: MD

Complaint narrative:
AimLoan ( https : //aimloan.com ) says they don't accept self-employed individuals because they MAY HAVE used PPP or Mortgage Forbearance program or other aids. They haven't even checked my documents to see if I am capable of paying off the loan without their help or if I am taking any money from PPP or taking Mortgage Forbearance help etc. They haven't even checked if I missed any payments or even where do I stand in my mortgage or financial position. 

They ARE accepting W2 candidates even though they have been taking financial benefits such as PUA and/or state unemployment benefits!! Now this is distinctively case of discrimination. In Country of Opportunity and small business owners are discriminated!!

On one hand Mr President and government is talking about protecting economy by lowering rates and help common man reduce financial burden by refinancing, BUT, on the other hand lenders are disqualifying applications WITHOUT even taking a look at there application BUT just at a category " self-employed ''. 

This needs to be stopped. All homeowners, regardless of their source of income, should be considered equal. Otherwise this will be a first stone to the grave of housing crisis knocking our door! 

I asked to speak to The President Mr XXXX to voice my opinion and to ask if it's legal and ethical to do in given times. His representative reached out to rehearse the same policy. United States residents who are homeowner paying mortgages without failing and having average to better score should be protected and such lenders should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: OH

Complaint narrative:
On XXXX XXXX I filed a dispute with Equifax about 16 late payments reported on account from my Student Loans. On XXXX XXXX I got a notification that my credit score dropped 42 points from a XXXX to XXXX and my payments went from XXXX to XXXX. I checked the status of the dispute with Equifax + XXXX and it said that my dispute was pending investigation so im confused why my score was dropped for a pending investigation. Upon completion of the dispute, Equifax + XXXX said that nothing on my account changed and the disputed payments were still valid. So with that in mind, I called Equifax multiple times to see why my score changed although nothing was added nor taken away from my account and I received different answers every time I called and every rep told me that they had no idea why my score changed because it should'nt have been tampered with and they didnt see anything that should have changed it. I even had a rep tell me that my score would return to a XXXX 30 days after the dispute was completed which was also false. I still have yet to receive any answers as to why my score was tampered with for no reason and i am highly upset. This is against the Fair Credit act and I am tired of the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: SC

Complaint narrative:
I had my credit ran today XX/XX/2020 because I want to refinance my home but I was told I would be unable to do so because of two accounts reflecting badly on my credit history. The accounts are from XXXX XXXX for an amount of {$4900.00} and Child Support Enforcement. I have no idea what these accounts are for or who they belong to. I did not open them nor have I ever opened any other account with those companies. I did not authorize these accounts to be opened in my name nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I did not take part in any purchases or payments that might have been made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Very bad experience when trying to open an account in the phone They referred me to a branch then told me I dont live in their footprint its confusing BEVAUSE online it says I do and I just want to bank with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi all my account is settlement of pay off. but 2 of them still showing I have late payment

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 2020-07-10 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 — Investigation took more than 30 days
Company: Seattle Service Bureau, Inc
State: CO

Complaint narrative:
I have been trying to get National Service Bureau to remove the collection they are reporting for {$870.00}. I had XXXX Medicaid at the time of the visit which was 100 % covered. I have contacted Medicaid and verified they payments were sent to the hospital. This account shouldn't have gone to collections. I have provided this information to National Service Bureau several times over the last year and they still refuse to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AZ

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, AND THE THE XXXX  XXXX XXXX ACCOUNT ONM Y CREIT REPORT IS THE FRAUDULENT ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT. THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, I HAVE REACHED OUT TO THE BANK AND THEY DON'T HAVE ANY INFORMATION ON THAT ACCOUNT. SPOKE WITH XXXX AT THE FRAUD DEPARTMENT AND EVEN HE HAS NO IDEA HOW TO LOCATE THAT ACCOUNT. THIS ACCOUNT IS FRAUDULENT.

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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
A company is trying to collect for a debt ( that I do not recognized as mine very old ) I was not living in USA, back in the year XXXX I moved to XXXX, I just came back, to USA in XX/XX/XXXX, I did suppose to start working but due to the Global Pandemic everything has been chaotic. 
I have already spoke to them that is not my debt or it was paid but they keep bothering me with letters that dont showed amount owed so I called a XXXX and the person was just rude don't let me talked so I got stressed and I hang up. 
with all the stressed we all living due to covid. I just cant stress over a bill I dont even think is mine. i sent a letter asking them not to contact me anymore. 
ENHANCED RECOVERY COMPANY LLC XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation