vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Birchwood Credit Services, Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
This involves an issue with information on my credit report that does not belong to me that I began disputing with TransUnion in XXXX, XXXX via USPS Certified Mail with electronic return receipts. 

Per the attached follow-up letter, verified as delivered to TransUnion in XXXX, XXXX, TransUnion has failed to provide any of the requested supporting documentation within the legally allowed 30 day period both in XXXX, XXXX and again via CFPB complaint # XXXX submitted in 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 2020-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Due to the recent economic downturn, my income has been severely cut. I have contacted Navient about lowering or postponing my payments until this crisis is over but I have only received copy-and-paste replies which have no information except to call them and wait on hold indefinitely until I get through. This is not acceptable. Navient needs to be proactive during this time by reaching out to private loan holders with options. During this time, they also need to cease and desist harassing co-signers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft due to an equifax credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FACTUAL DATA CORP.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft due to an XXXX  credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I have tried to contact Contract Callers directly about this issue. They have placed my account in collections in regards to an alleged debt that I DO NOT owe. This collection is showing on my credit profile and is tarnishing my credit worthiness. This company has yet to show proper validation proving that I owe this erroneous debt. Contract Callers are absolutely horrible. They don't even attempt to follow proper validation measures.

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 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a mortgage with Suntrust Mortgage ... ... due to the recent bans on public gatherings, my business, a wedding photography business, will receive no income for 6 months. I have had to lay off employees and am struggling to pay all of our bills. 

Suntrust sent an email saying they are here for their clients. They touted donating millions of dollars to help with relief efforts through their social media page. 

When I called asking for a forbearance, here is their program : Skip 3 months of payments At the end of 3 months, you owe all of the money in a lump sum or they will start foreclosure proceedings report as a forbearance on your credit report THIS IS NOT IN LINE with the presidential directives for FHA mortgages, and despite this not being FHA, all other major companies are following suit. Suntrust is gouging their customers AND will use this as a tool to take their homes when this is all over.

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 2020-03-21 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: TX

Complaint narrative:
On XX/XX/2020 I sent a payment to a receiver who had changed there cash app name and phone number. After confirming that the payment was never received, I reached out to the support group for cash app. I explained that the receiver has a new cash app name and phone number and also no longer has access to the phone number associated with the old cash app account. I was then advised to have the receiver send a personal email regarding not receiving the payment this was done on XX/XX/2020. The support group associates XXXX and XXXX have emailed me numerous times saying they closed my case and can not provide assistance. I explained that I use the funds to get back and forth to work by using XXXX and because of lost funds I have missed days of pay. Please assist me with me moving to the funds to the receivers active account or refunding the payment back to me. We are aware that the payment was received but it can not be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In XXXX of XXXX I tried to open an credit card account with XXXX XXXX XXXX. I received a letter from them staying that I couldn't do to a credit freeze on my Equifax credit report. I called Equifax in XXXX and was told to mail in a copy of my driver 's license, my social security card and a letter stating to have it removed. I submitted everything requesting the removal in XXXX. Fast forward to XXXX and I am trying to apply for a mortgage loan and the lender is able to pull all my credit reports but Equifax due to a credit freeze on my Equifax credit report. On XX/XX/XXXX I called XXXX and was on hold for an hour before speaking to an agent. I explained to XXXX why I was calling and she stated she couldn't help me and had to transfer me to another department. Instead of transferring me XXXX hung up the line. I called XXXX again and was on hold for another hour and half just to speak with XXXX AGAIN at this point requested to speak with a manager or supervisor and was told by XXXX that leadership was not speaking to customers due to the COVID-19 outbreak as if thet was going to catch it through the phone. Equifax is a fraudulent company that places freezes and alerts on consumers files then refuse to remove them and under the fair credit reporting act credit reporting agencies are required by law to honor any request that consumers submit. Why Equifax didn't remove the alret when requested in XXXX needs to be investigated immediately because Equifax once again are not operating within the essence of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I have tried to contact First Point Collections directly about this issue. They have placed my account in collections in regards to an alleged debt that I DO NOT owe. This collection is showing on my credit profile and is tarnishing my credit worthiness. This company has yet to show proper validation proving that I owe this erroneous debt. First Point Collections are absolutely horrible. They don't even attempt to follow proper validation measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-03-21 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
Visited new home builder in XXXX XXXX with my wife They say we need a loan prequalification with their preferred lender before making an official bid. 

My wife and i were already prequalified with other lenders but i still followed the rules. 

Now their lender says we are not qualified. 

Other lenders are direct lenders not just a broker. They all give us the green light to buy the home. 

I think this builder is steering us to their preferred lender to make extra profits for their company. 

Company nameXXXX XXXX XXXX XXXX Lender- fairway

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-03-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express is refusing to properly dispute an a purchase for XXXX XXXX because someone signed for a complimentary cabana. Please note that I XXXX XXXX did not sign for the cabana nor did I personally sign or authorize the charges for XXXX XXXX. The cabana was offered to someone who traveled as a guest who is not an authorized user on my credit card account. This should not have any bearing on a comprehensive dispute being conducted. XXXX XXXX, XXXX XXXX advertised falsely and did not render the services as promised. American Express has an obligation to properly dispute claims for their card members. I am requesting that American Express obtain signatures and compare those to my signature. I should not be held liable because a friend accepted a {$100.00} cabana for the poor service and falsely advertised services not rendered by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: VA

Complaint narrative:
Remove the hard inquiry from my account from XXXX XXXX. I have never shared my SSN details to XXXXXXXX XXXX in any way. 

Also please freeze my credit details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: VA

Complaint narrative:
I have reached out to Equifax by mail and phone, Equifax has refused to remove inaccurate information appearing on my credit report. Equifax is reporting three ( 3 ) XXXX XXXX Accounts that contain inaccurate information and do not belong to me. Despite XXXX XXXX being able to validate the accounts, Equifax refuses to comply with the FCRA and remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
file ftc on these companies ftc file number XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : 05 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : 06 XXXX Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file. 

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumers legal rights, disclosing a consumers personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.

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 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My husband and I are both XXXX XXXX and neither of us has any income at all due to the corona virus. We contacted our lender to ask for temporary forbearance, but they are telling us they will offer a 3 month forbearance and then the entire amount needs to be paid at the end of 3 months. How is this fair? If we end up being out of work for the full 3 months, are we supposed to perform a magic trick and instantly come up with the money in 3 months? Isn't it more fair to add the payments to the back end of the loan? That is what we are requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Fair Financial Corp.
State: VA

Complaint narrative:
I was a XXXX XXXX XXXX XXXX, who rented a car from a partner of XXXX called Fair. 
I rented the car and paid a weekly sum of {$210.00}, until a unfortunate situation occured. 
Fair  broadcasted an email saying that they were ending business in Virginia  due to Insurance Premiums, and that our deposits would be applied towards our last payment. 
I used my saved payment to pay on other Bill 's, then Fair  re-broadcasted another email saying that the prior email was erroneous, and our deposit would be returned to status. 
I have been living in hotels since the day I began with Fair and XXXX. I'm also responsible for every other expense, and I found myself in a bind, and was behind. Before Fair took the vehicle back they did deduct a payment, and I emailed them saying that I'm having a minor cash issue. Nevertheless they still took the car. 
Now I'm without a means of income.And the company who repossessed my car wants {$75.00} just for me to get my stuff out. This company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX. 
I find this whole situation to be very unfair. XXXX errored in their email, which didnt really seem to be a well thought out decision, but it was enough to cause me a problem. Now much of my personal belongings are trapped in a car I cant afford to get into. It doesnt seem fair. If I had extra {$75.00} at that time, most likely this wouldn't of happened. 
XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
file ftc on these companies ftc file number XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumers legal rights, disclosing a consumers personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.

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