vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these 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 2020-10-28 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: U.S. BANCORP
State: TN

Complaint narrative:
ELANFINANCIAL SERVICE IS REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT. I'VE NEVER OPEN ACCOUNT WITH THIS COMPANY I HAVE NEVER WENT INSIDE ANY BANK TO OPEN ANY KIND CREDIT CARD WITH THIS COMPANY AND I HAVE NEVER WORK FOR XXXX XXXX THIS COMPANY DOES NOT EXIST IN XXXX TN THIS COMPANY HAS NEVER PROVIDED ME A COPY OF THE APPLICATION NOR HAVE THEY PROVIDED ANY ID FOR THIS ACCOUNT THIS NEEDS TO BE REMOVE FROM MY CREDIT REPORT I WILL NEVER GIVE NOR WILL I STOP DISPUTING THIS ACCOUNT I WILL BE CONTACTING MY ATTORNEY.

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these 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 2020-10-28 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: NV

Complaint narrative:
These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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:
I have informed Experian that I am a victim of identity theft and XXXX accounts that they are reporting under my credit file are the result of identity theft. Yet Experian fails to remove the fraud accounts from my credit file. They claim to have verified accounts however according to the FCRA, they have to tell me how they verified the account. Let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. Im in shock that they are claiming to have verified an account that is a result of identity theft and better yet accounts on which the company couldn't give me information. XXXX and XXXX XXXX are not accounts or information relating to any transaction by myself. I have provided Experian FTC theft report, proof of identity, and a statement detailing these accounts are indeed not mine and a result of identity theft yet Experian still disregards that these needs to be removed immediately or I will be forced to take legal 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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Re : SPS SERVICING-CARES ACT COMPLAINT In XX/XX/XXXX my loan was serviced by XXXX XXXX XXXX and owned by XXXX. XXXX offered and I accepted disaster relief by way of postponing monthly payments for a period of time. I was aware of the options offered by XXXX which included relief, if needed, for up to 1 year. I skipped 3 payments and resumed monthly payments in XX/XX/XXXX. 
On XX/XX/XXXX, I was informed by XXXX that my loan servicing was being transferred to SPS SERVICING of XXXX XXXX XXXX, Utah, and ownership transferred to XXXX XXXX XXXX. I immediately reached out to SPS and was assured by my assigned relationship manager, XXXX XXXX, that my XXXX commitment would be honored. I advised SPS of my hope of having my missed payments setup on a repayment plan spread out over 6-12 months and as directed by SPS I provided the required documentation. On XX/XX/XXXX, SPS denied my request and suggested a SHORT SALE. 

The action by SPS is contrary to the relief provided for in the CARES ACT. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX will confirm ownership from XXXX to XX/XX/XXXX. Call XXXX at XXXX XXXX XXXX. XXXX case number XXXX. 

I have attached copies but if you require better quality please let me know. 
ejc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I recently sold an item on XXXX and PayPal is holding my money. I can spend not transfer my money to my bank despite my PayPal being verified. The amount is XXXX and I have a pending order of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 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: AL

Complaint narrative:
I have tried on several occasions to resolve the issue with experian. They have not responded to my request properly. I have not once revived verification or how this so called debt is mine. XXXX and XXXX have verified and validated that this information is incorrect and have removed this account from my record. DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX I have provided all documents, licenses, bills ect and they continue to give me a computer generated response. Remove this from my account the information in incorrect. If 2 other credit bureaus have stated they can nit verifying this information how are you? This is against the law.

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 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I do not recall owing any amount that would be in collections with Rent Debt Automated. I have tried calling several times to get more information but I have not been able to reach anyone. I have not received any information validating this debt or itemized documentation proving that the amount Rent Debt is reflecting on my credit report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
There is a {$1000.00} hospital bill on my credit that has been on their 5 years for XXXX XXXX I received following a car accident I was in that was not my fault and was to be paid by the other parties insurance as part of my settlement. The collections company will not listen to me or help in any way and Ive been dealing with this for 5 years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 - Bank of America sent a letter saying they want to verify my income and other documents, most likely because I have an XXXX name, and for my local area, their system flags accounts by XXXX  with an algorithm that detects based off the last name ending in 'yan ' or 'ian '. I am employed full-time with a salary, and the income I reported matches my provided documentation. Any income I had provided to Bank of America in addition to my employment income would be part of the total household income, such as self-employment, funds provided by family members for bills, or gifts. I have provided each piece of documentation to the return envelope they requested, which is now sent back to them in the mail.

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 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I had an issue with Santander Consumer XXXX accepting my vehicle payment via ACH as to not have to incur additional fees. 

On my first payment I utilized XXXX ( for which i too complaint to CFPB as the did not pay the companies as I had asked them too ) I gave them the routing number and checking account number yet for an unknown reason they XXXX did not pay Santander Consumer as I had requested them too there by making my very first car payment late but not only that they also made me incur additional fees all which i paid to Santander, in fact. When I found out that they payment was not made I immediately made payment in full for the entire amount to Santander Consumer that was over {$900.00}. 

Well due to the fact that XXXX failed to do what I had asked them to do with my moneys. I decided to close my account and referred them to the appropriate agencies that over see banking, as this company made me incur fees etc not just with Santander but XXXX XXXX and others. Very much negatively affecting my credit etc. 
Nonetheless I acquired a new bank account with XXXX XXXX, however Santander disabled the ability for me to make a payment via ACH with my new account. This is wrong as they now want me to make a payment to my loan via a service that makes me incur additional service fees to make my monthly payment. 

This company is all ready known for their egregious unethical and immoral behaviour when it comes to servicing consumers. They have been subject to numerous lawsuits and complaints by Attorney Generals from 34 states including my CALIFORNIA attorney general. They failed. I have chat logs where I asked the customer service agent regarding this and she was unable to provide me with a solution or a reason why they have refused to allow me to make payment via my bank account as they so blatantly advertise to all customers including my self still. 

They denied my ability to make a payment that doesn't incur a fee. In Fact just this month I was trying to pay through their website even though I would have to pay an extra fee just to pay my loan but they still wouldn't allow me to.. for some reason they blocked me from that ability as well, i had no other choice but to make a payment via the phone and through my card visa their by incurring even more charges than I would have had I been able to pay through the website it self. I called them and the provided me again with NO help or solution. Ive had to pay extra on top of extra to just pay my loan.. I want justice and fairness, I want to be able to pay my loan like everyone else and I don't want to have to pay even more fees. They all ready have charged me an extremely high APR .. This company is abusive and should not be allowed to be selective, I opened my new checking account just so i can make payment of my car but Santander Consumer wont let me pay my car loan with out extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Said I apply for a loan and I did not and not it has effect my credit score. I give no permission to to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Acct XXXX .... 

Not reporting at all. Correct balance is {$12000.00} Showing no status and not reporting for last 2 months

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 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Account already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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 XXXX - Opened XX/XX/XXXX - Amount {$490.00} XXXX  XXXX/ XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$150.00} XXXX  XXXX XXXX  - Opened XX/XX/XXXX XXXX  XXXX/ XXXX - XXXX XX/XX/XXXX - Amount {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$840.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Opened XX/XX/XXXX - Amount {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-10-28 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: CA

Complaint narrative:
XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$490.00} XXXX  XXXX/ XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$150.00} XXXX  XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX - Amount {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$840.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Opened XX/XX/XXXX - Amount {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: VA

Complaint narrative:
Hello, I am sending this email to include that the XXXX account XXXX  has impersonated a United States XXXX and has robbed me of XXXX dollars and has done so to many others through XXXX and claims her victims money through XXXX  with her username XXXX XXXXXXXX. This person must be apprehended to ensure no one else false for her scam of being a navy federal representative or being well known with them or any other bank. As such, I will include her XXXX url XXXX XXXX XXXX XXXXXXXX for better assistance. Thank you very much. 

As well as XXXX XXXX XXXX stole XXXX dollars from me with phone number XXXX and email XXXX Navy federal credit union didn't help me get none of this money back after I got hacked through the XXXX  app and or tell me there is nothing to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
On XX/XX/27 I opened an online account with MoneyGram US and attempted to send money to my fiance in XXXX. It was a small amount of approximate 700 USD They immediately debited my credit card for the amount. 
They then proceeded to cancel my " transaction '' within their system and block my profile. 
I called their customer service and was told that their " online system '' flagged me as fraud. 
When asked why, no additional reason was given. 
I was additionally informed that I could no longer use MoneyGram services anywhere in the world because of this. 
They have not refunded the amount to my credit card. 
When asked why the transaction was not cancelled, they attempted to explain a process that was obviously false. 
They state they are holding my money for 3-10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: MO

Complaint narrative:
As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX/ XXXX  ( XXXX ) 7. XXXX XXXX  XXXX  ( XXXX ) 8. 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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Unable to get Experian to remove Personal Statement that is 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