vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Entered into Bankruptcy in XXXX ( XXXX  XXXX ) and voluntarily dismissed it on XX/XX/XXXX. Wells Fargo ( XXXX XXXX XXXX ) is stating I have failed to make payments and has moved forward with foreclosure proceedings. However, the Bankruptcy Trustee made payments and provided documentation to Wells Fargo attorney, XXXX, XXXX XXXX  XXXX, proving payments had been made. On XX/XX/XXXX, I spoke with a Representative at XXXX ( ID # XXXX ) & requested proof of payment history in order to compare to the payments made by the Trustee. To date, I have not received 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 explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I notice multiple accounts showing on my credit that I have never opened or seeked to obtain credit with these companies

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I notice multiple accounts showing on my credit that I have never opened or seeked to obtain credit with these companies

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are not my accounts. Please remove them immediately.

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are not my accounts. Please remove them immediately.

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These are not my accounts. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern ; I decided to check my credit, and I notice some fraudulent Accounts on my Credit that I did not Authorize. I also Notice that theses are open accounts using my Identity. I had no Knowledge of these Accounts. please close theses Accounts and Remove Them from my credit. this is very stressful and beyond Disbelief. I cant believe that I am a Victim of Identify Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern ; I decided to check my credit, and I notice some fraudulent Accounts on my Credit that I did not Authorize. I also Notice that theses are open accounts using my Identity. I had no Knowledge of these Accounts. please close theses Accounts and Remove Them from my credit. this is very stressful and beyond Disbelief. I cant believe that I am a Victim of Identify Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
America express business platinum card shut my account down. For point fraud claiming we used our points in a way that abused their policy. They would not tell me anything about what the alleged abuse We have NEVER done anything like that. That makes me even more concerned that there was fraud potentially on my account and instead of confirming its usage with me like any other company would when fraud is noticed. they indiscriminately shut my business card down. 
That card is used to help pay vendors in my XXXX XXXX. The most vulnerable population during COVID 19 pandemic. Putting me in a cash flow crunch  causing me to risk choosing between exorbitant PPE pricing, and payroll for my over 300 employees. The  hindrance to my XXXX  XXXX  I XXXX  for is absolutely sad! They a credit card are shutting down credit over a point issue that could possibly be cyber security breach that they are covering up!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern ; I decided to check my credit, and I notice some fraudulent Accounts on my Credit that I did not Authorize. I also Notice that theses are open accounts using my Identity. I had no Knowledge of these Accounts. please close theses Accounts and Remove Them from my credit. this is very stressful and beyond Disbelief. I cant believe that I am a Victim of Identify Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
1. At XX/XX/XXXX, I submitted a refinance application to Provident Funding. 

2. At XX/XX/XXXX, the loan officer requested a list of documents, for which I had few questions. I called the officer and assistant and left a message on XX/XX/XXXX. No answer on phone. 

3. At XX/XX/XXXX, I emailed the assistant to schedule a call at XXXX XXXX. Never heard back, nor did I receive an response from email. 

4. At XX/XX/XXXX, I received an email from the assistant asking if I'm stilled interested. He mentioned they are in a very high volume period and if I'm not I should withdraw. I asked him to call me tomorrow to discuss. Again no response, phone call or email. 

6. I called couple of times again at XX/XX/XXXX, no answer. I called customer service instead to let them reach out to the assistant. 

7. At the last day of my interest lock period, XX/XX/XXXX, XXXX told me that my application was canceled because I didn't respond to their call. I looked at my contact history, and I told them that i didn't receive any phone call from the number I contact before or the number they listed on website. Then they said they can't left an VM since my VM box is not activated. This is the first time they mention that issue. 

On XX/XX/XXXX, I received an letter saying my application was canceled since I withdraw ed. That's a false representation as I never did that, which is also an illegal conduct. In fact, I think the lender is deliberately making it difficult for me to move forward and encourage me to withdraw my application. That's unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Old closed account doesn't get removed, old voluntary repo doesn't clear out of credit report, old credit cards closed account still 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 explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion illegally reinserted a deleted item on my credit report account XXXX XXXX XXXX does not belong to me, I am a victim of id thief and Transnion has been made aware Also there is a new account that just popped up from XXXX XXXX  that I never opened

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 2020-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XX/XX/2020 purchased tires at NTB and opened an account which was from Citi. 
I never received a card or statement from Citi, so I called on XX/XX/2020 and spoke with collections knowing that I probably needed to make a payment. I told the Citi collections reps about the fact that I never got a card or statement. They said it had the store location as my address which was wrong. i gave them the correct address and said I needed to get the card that was sent to the store cancelled because I have no idea who or where it is. Citi collections ( twice ) told me I have to call customer service to have this done. I have called three times and been on hold 40 minutes, 28 minutes and 28 minutes. I have also complained on their XXXX page and sent them a PM. It seems a lot of people are experiencing this with Citi bank.

1. I need to get the missing card cancelled asap.

2. I need to get a new card and billing statement to check my balances etc. and be able to set up an online account.

3. Citi is not helping or communicating with customers. Only the collections dept. answers the phone. 

What can I do???? 

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 monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX. AT XXXX moved to XXXX  I was locked in XXXX.. In XXXX when check my credit bureau I found one account ( XXXX $ to medical charges ). I was call to agency collection and their said it's my account ... I told with them and said I need evidence about the bill .. their send me but never didn't receive. So I was call often time and their said this is your account ... ( I try resolved it's problem since XXXX ) .. but the agency don't help me .. At XXXX I can told with the supervisor and she send me the bill to XXXX .. The bill said the name of medical emergency and the address but not phone number .. so is weird because I was never go any emergency room in XXXX XXXX..only in XXXX XXXX   hospital than call and they said I'm not have some due with medical building.. so the agency don't have true evidence about where come the bill ... and won't delete this account of my bureau credit.. also I was never the phone number appears in the bill .. when looking in internet the address the emergency room I found other things.. for me its clear.. this account is a scam ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
Last week, Congress passed and the President signed into law the CARES Act which clearly states in Sec. 4513 that Education Secretary XXXX shall suspend all payments due for loans made under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for 3 months. The Act goes on to prohibit the accrual of interest in such loans. And, most importantly, the act requires that for each month that loan payments are suspended, that the Education Department treat the loan as if it were paid for purposes of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965. However, the Education Department has taken the position on its website that this does not  include forgiveness under the PSLF program, and I have not received a response from FedLoan on this issue either. I am concerned Secretary XXXX and the Department of Education are not following the law and are directing loan servicers to do the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding this inaccurate late account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. 
This is my last request to your company to follow the law and conduct a proper investigation on these accounts. 
If you choose to send me a can letter and not investigate, I will instruct my FCRA attorney to move forward with escalating this issue. 
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau.

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 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MD

Complaint narrative:
This account is not owned by me. However I assisted the account owner to open this account and the account owner has been paying the account without default since the account originally opened. The account information was previously reported in my credit report to the three credit beaures and it was deleted after I complained approximately two year ago. Now after two years the same account with different company name is reported as default or bad credit and damaging my credit reputation. As result my credit score has been damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding this inaccurate late account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. 
This is my last request to your company to follow the law and conduct a proper investigation on these accounts. 
If you choose to send me a can letter and not investigate, I will instruct my FCRA attorney to move forward with escalating this issue. 
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I took out an installment loan with cash express LLC in XXXX TN XXXX/XXXX XXXX in XXXX. I requested to stop ach withdrawal verbally and or by email to get confirmation and immediate processing of ach withdrawal request..I was told instead that I would have to mail in request instead of verbally informing them to stop all ach withdrawal or by email. Dont understand how I would get confirmation that they even receive correspondence. I realized that It is a barrier of a way for them to make it difficult and prolong ach withdrawal stoppage in order to continuing debiting bank account even after verbally told not to..I also asked for a payment plan besides the one already in place to pay {$170.00}. I called told them my financial situation, They refused to stop ach withdrawal and they refused payment agreement/ ext. this company is terrible, especially in the times we are all in. I borrowed {$750.00} it is a very high interest loan, they have signs in store threatening wage garnishment, legal action, etc ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wallace Management Company, LLC
State: AL

Complaint narrative:
I called Liberty Finance in XXXX Alabama today, to try and defer my payment just 1 month due to the Coronavirus outbreak and my job being at risk of shutting down temporarily. XXXX told me that they were not doing that and couldnt do anything to help me besides waive my late fees. This is a national pandemic. I am shocked. I have always paid my Bill 's on time and now when I need their help the most the company flakes on me and tries to get me to use the money that I've already paid and reopen another loan which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Riverwalk Financial Corporation
State: MS

Complaint narrative:
I have tried to resolve this matter with the creditor but have reach no resolve or even a suitable arrangement. This being on my credit has hindered me from moving forward with my life and has caused major hardship with acquiring employment, finding housing, and re-establishing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: MD

Complaint narrative:
i am writing to delete the following information in my file. the items i need deleted are listed in the report .i am a victim of identity theft and did not make the charge, i ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i alson have enclosed copies of the federal trade commissions identity theft affidavit .please delete the items as soon as possible

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found a fraudulent accounts on my credit 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 explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
EQUIFAX AND XXXX  failed to check with alleged furnishers to validate all alleged debts in dispute that furnishers claim plaintiff owes. Equifax received Plaintiffs debt validation letter on XX/XX/2019 ( tracking # XXXX ) and XXXX  too received the letter on XX/XX/2019 ( tracking # XXXX ). Plaintiff disputed alleged debts with the following creditors through XXXX  XXXX XXXX/XXXXF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX  Its The credit Bureaus job to do a reinvestigation of the disputes. 
XXXX and EQUIFAX did not prove in details what steps they took to verify if the debt is in fact the plaintiffs.What system and or method did XXXX  and EQUIFAX use None of these alleged creditors can show an original contract with a wet ink signature on it with plaintiffs name on it. Plaintiff argues that plaintiff can NOT agree to a mere COPY of any signature. XXXX  and EQUIFAX are the ones reporting therfore plaintiff is questioning the credit bureaus.

Company response to consumer: Closed with explanation