vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 2020-06-04 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: AL

Complaint narrative:
I have come here to this site hoping someone can help me with XXXX XXXX. I let them know that I had things appear on my credit that was not mine & had no clue who applied for this. I have been a victim of identity theft. I am having a hard time trying to get the things that don't belong to me deleted. I have called all the companies and bureaus several time without any changes. This issue should have been taken care of the first time I told them I had a problem. Please help me get this information deleted from my credit report. I sent in a copy of my police report, ID and social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
A fraudulent charge of {$160.00} appeared, virtually wiping out all funds on the prepaid debit card. 

The charge was by XXXX XXXX XXXX I have contacted XXXX XXXX, the card issuer, at least a dozen times and receive no refund to date. A direct complaint to XXXX XXXX, CEO of BlackHawk, has not produced any results.

As of 5 minutes ago, my money is still missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my account to the app XXXX. I am receiving a message an error message that says I am unable to do this due to a change PNC has made. When I called and asked for help the told me the issue was not on their end despite the message i received from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion is still reporting my delinquent XXXX account beyond the 7 years. The date of last payment as reported by Transunion is XX/XX/2013. So why havent this item been removed yet?

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 2020-06-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
Covid-19 EIP Stimulus Card : We still haven't received our EIP Stimulus card from the money network company.

This company is supposed to issue government issue stimulus cards for Covid-19. We can't reach them or talk to them to get the status of our card.

Here is their information : Money Network Cardholder Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been a victim of identity theft. Someone opened a credit card under my name without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I asked for verifiable proof that the debt was mine and have not been given that. This debt was the cause of Identity Theft. I disputed early part of 2019, please help me resolve this matter.

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 2020-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One credit card that has reported me several times in the past 3 months resulting in a 30, 60, 90 days late. I called up after the Corona Virus outbreak. I made an arrangement with them to break down the payments into 3 different parts which I paid on time. As it turned out in a taped conversation on Wednesday XX/XX/XXXX ( or XXXX ) at XXXX PCT. In that conversation I was never told that I would be reported late even though I made the payments as per the agreement. The emplyee in the collection department apologized for the " miscommuniction '' but said she could not do anything. I asked her if this apology was for her or the company. After she realized what she said she refused to answer my question on whose behalf she was speaking for. This is a scam. Further more they deleted any late fee 's as a courtesy. Again, they misrepresented themselves in the terms. In addition, they told me that in the original contract that is is stated in the contract I originall signed with them back in 2006. This was told to me after the fact. 

I ask you to subponea the taped conversation on the dates above. As I said it was either of the dates and order them to delete the late payments for this credit card 30 30 60 90 Quick Siver Capital One credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/18 Wells Fargo VISA debit card given to XXXX merchant. Checking statement showed XX/XX/2018 withdrawal completed. Many letters on issue and bank says Wells Fargo VSA debit card does not cover merchandise /services, in accordance with Federal Reserve Regulation E on EFTA . Only certain errors are covered under federal laws. 
The bank by incorrectly processing the VISA debit card created a merchandise dispute, but erroneously handed the dispute as a credit card for merchandise. 
The bank has refused all demands and closed the issue last XXXX. The bank was legally subpoenaed for all debit card transaction with that merchant only,, XXXX, chargebacks, XXXX, merchant service records, but only produced a XXXX, 2018 bank statement showing the initial XX/XX/18 Purchase authorization, but they did state the Reg. E does not cover merchandise/ services, only ERRORS. 
Please clarify that when a debit card is given to a merchant, no disputes on merchandise can be made, A debit card is like a check or a EFT and unless the merchant agrees to refund or credit the debit card, there is no protection under law, even if the merchant erroneously runs it on a XXXX as a credit card in error?

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 2020-06-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter to transunion on XX/XX/2020 regarding some inaccurate information that I requested be removed. They never replied and it has been over 60 days. They are in violation of the Fair Credit Reporting Act and are negligent towards the law. The accounts are XXXX XXXX XXXX and a XXXX 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 2020-06-04 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: LEXISNEXIS
State: NJ

Complaint narrative:
ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. 


CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. 




XXXX XXXX XXXX EMAIL : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I had a student loan from XXXX XXXX which eventually converted over to Discovered student loans. 

This loan was co-signed by my mother who went into bankruptcy several years ago. For a while, she was making payment until going into bankruptcy. After she filed, I stopped receiving invoices, bills, or any correspondence from Discover. I was not told about the bankruptcy and the loan disappeared from the credit score and this all began. I researched and found out I was not responsible for paying the loan 'during ' the bankruptcy period. 

Meanwhile, I began to get contacted again ( this was well over a year ago ) by discover threatening to send my account to collections and my information to the credit bureaus for not having paid the loan. I called Discover when I received this notice and reviewing my account online. Out of the total $ XXXX balance, they listed that I owed over {$1000.00}. I advised them I am happy to make a payment however I need to receive a statement or invoice. They refused and demanded I pay the $ 1000+ or the full balance. I reminded them that I need a statement because I think there payment schedule is in error. They were nothing short of rude and disrespectful during our call and I responded in like kind. 

They did not elaborate on any detail, missed payments and refused to send me any bills. I later come to find out that they can not demand what they are demanding during the bankruptcy. I actually attempted to open a new account and have the loan transferred to a different provider after the horrible experience and they explained they couldn't as the account was frozen during this time. Until now I dropped it. 

Today, I log in to check my credit score to see it had dropped 80+ points overnight due to this account. My parents are still in bankruptcy until later this year and I have received no bills, invoices or any correspondence explaining what I owe from Discover. Now I am in a position of a negatively affected credit score, on a frozen account where the creditor is demanding an irrational payment on no basis where I do not even have the option to take transfer the loan to a provider who isn't the equivalency of a loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I am the owner and manager of a rental single family house. I had to quickly repair a water leak in the wall that caused the two bathrooms unusable. My mortgage company, BSI Financial Services, is holding over {$11000.00} paid by my insurance company. I filled out all required forms providing proof of payment to my plumber and contractor. 
The company promised to send my insurance money to reimburse me, but never follows through. This has been on going since early this year. One of their issues deals with an inspection, which can not be done due to an elderly tenant who is very susceptible to contracting Covid-19. The inspector told me that he would not enter the house due to potential liability. 

The last time I called their Property Loss Department I was told that the department was moved and requested that I fill out all forms again. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax , Inc . is in violation of the Fair Credit Reporting Act. I have been denied credit based upon their file though I have no debts and a FICO score of XXXX. Three attempts to obtain my annual credit report on-line have been unsuccessful. A request form - with driver 's license and social security card photo copy, sent by certified mail on XXXX XXXX was received XXXX XXXX. A form letter posted XXXX XXXX informed me that my file was not available and to submit the same form request - with photocopies of the same documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My previous Complaint ID # : XXXX was not resolved told to resubmit. On XX/XX/20 at XXXX XXXX I went to Bank of America in XXXX to uses deposit money to the bank only the ATM machine was available my checking account. The ATM machine showed an error message and made usual noise with deposit cash an error. I deposited XXXX in cash only to discover with the error machine to fine that only showed {$100.00} deposited. I filed a report with transaction dispute bureau through the Bank of America consumer service XXXX. XXXX, a transaction dispute representative, that I deposited XXXX dollar in cash only deposit XXXX dollar and willing to help. I contacted Bank of America consumer service XXXX spoken XXXX to find that the claim was not result. I opened my Bank of America app on my cellphone to find out I showed contact XXXX different from Consumer service. The account was closed with no reason why at that point. Bank of America XXXX told me that reversed the amount no explanation was given either. The Bank of America supervisor was not willing to resolve the issue told me that the bank is not going to resolve this transaction. I told the representative that if you go to ATM machine in person there will be a {$300.00} difference. I told today on XXXX that there XXXX XXXX XXXX XXXX XXXX Extension XXXX. I went through this already before there is an issue the transaction with deposit money into ATM machine in XXXX. I wanted the money back in the form of a check to my address. I would want a supervisor from consumer financial protection bureau to speak to Bank of America supervisor. There is a problem with the ATM machine. I tried this before with no help at all. The Bank of America ATM machine number is 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 2020-06-04 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. 


CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. 




XXXX XXXX XXXX EMAIL : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. 


CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. 




XXXX XXXX XXXX EMAIL : XXXX MOBILE :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: GA

Complaint narrative:
My name, address and phone number is incorrect 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 2020-06-04 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
XXXX is still reporting my delinquent Navient account beyond the 7 years. The date of last payment as reported by XXXX is XX/XX/2013. So why havent this item been removed yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal is with holding funds for products that have been sold stating that they are outside of my normal scope of business. 8 transactions for a total of XXXX starting XX/XX/XXXX and going to XX/XX/XXXX so far. From XX/XX/XXXX to XX/XX/XXXX I did XXXX worth of business selling the same products but no hold. There are several weeks just like this going back on and off over 3 years with no hold. Since all these items are sold on XXXX, I contacted them to make sure they had no issue with any of these transactions. Every one of these transactions are cleared with XXXX and are in Funds Status Available. The reasons for the holds being placed by Paypal are directly refuted by my own account with them. The online conversations I've had with them show repeated dishonesty and lack of desire to resolve my issues or explain there actions. I have copies of the conversations. They may have good reason to be with holding money from me, however, the ones being supplied by them to explain there actions are directly refuted by my account. They have no subpoena or government request, so, by my understanding of the law, have no right to with hold money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2020, I was notified by Capital One & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with Capital One in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX and Capital One, fraud alerts were placed on all 3 credit reports, and Capital One denied the application as fraud. 

XXXX immediately removed this hard pull from my account, but Capital One failed to remove the fraudulent hard pull from XXXX & XXXX. 

Since these are hard pulls, they negatively impact my credit score.

Company response to consumer: Closed with non-monetary relief