vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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: GA

Complaint narrative:
had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from my credit.

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm not responsible for this accounts. I was victim of Identity Theft, a company stole my personal information, user names and passwords, they applied for many cards and loans, took money from some of my cards. i'm not responsible for this debts.

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 2020-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was informed by my credit card company via a text that they detected a suspicious charge from XXXX, I do not currently have nor have I ever had a XXXX account, and I replied that the charges where fraudulent. They sent me a new card and immediately upon activating the new card I received another text message stating that I again had these suspicious charges from XXXX on my account. Upon contacting the company they informed me they would contact XXXX and resolve the issue and contact me via a phone call. After four days of no contact I decided to attempt contact with them upon which they informed me that the claim had been resolved. I again contacted them and after being on hold for over 90 minutes and being constantly transferred to the incorrect department they informed me that they in fact had not resolved the claim and had not contacted the third party XXXX XXXX in this case ). Mind you that I have not used this card in months and when I suggested that they may have an issue on their end ( I suggested a date breach since I had not even used the card yet ) they informed me that it was in some way my fault and I should resolve it with XXXX myself. I am completely dissatisfied with the abhorrent customer service of this company and their complete disregard for customer service.

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 2020-04-08 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: GA

Complaint narrative:
had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: GA

Complaint narrative:
had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from my credit.

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm not responsible for this accounts. I was victim of Identity Theft, a company stole my personal information, user names and passwords, they applied for many cards and loans, took money from some of my cards. i'm not responsible for this debts.

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm not responsible for this accounts. I was victim of Identity Theft, a company stole my personal information, user names and passwords, they applied for many cards and loans, took money from some of my cards. i'm not responsible for this debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: GA

Complaint narrative:
Numerous calls from various area codes threatening to place negative marks against my credit, even though they are fully aware that the balance is incorrect and I never had an account with them.Just different rude disrespectful operators continuously calling without being complainant to my wish to no longer be contacted resulting in changing a number I had over 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
An old cable bill was sent to collections which i paid in full. they are now still not removing the account from my collections. I can not get approved for a mortgage due to these collections. i do not feel the company is acting fairly as i have paid my balance in full

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 2020-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC is very disorganized. My husband who I am in the process of divorcing, reached out and spoke to a representative to open a home equity line of credit on my name. He was able to get everything done via phone call and then pressured me to the bank to sign. I was XXXX months XXXX XX/XX/2019 XXXX XXXX  and wanted no drama since I had a high risk XXXX. To my understanding the account was on my name so he had no rights to the HELOC. Little to my surprise PNC sent the card the our home address and he created a pin and began using the funds. When I came to know of this, XXXX XXXX XXXX XXXX XXXX XXXX I went to PNC to notify the bank branch. I explained that the charges were not made by me but rather my husband, I went in on a Saturday, XX/XX/2019 to be exact. I was informed that I needed to go back on a business day. I returned to the bank on Monday XX/XX/2019. During my visit and explaining the situation, the representative was more interested in the " juicy '' personal details rather than helping me. The representative went on to state that my husband had gone in the branch and asked for the pin to be reset on the XXXX XXXX   card, to which she willfully admitted it was " suspicious '', but yet she went ahead and did it anyway? I was 3 weeks XXXX at this time and living in fear for my life. I asked for the line of credit to be closed and the representative said " we can not close it unless you are paying off the $ XXXX ''. She never guided me to dispute the charges or advised on what steps to take. She did call the XXXX number and tell them the situation, but at no point did ANYONE of PNC advise or help me. I was in an XXXX relationship with a XXXX XXXX XXXX and needed guidance. PNC is a joke and a waste of time. When I finally got my life in order and disputed the charges, the excuse I am getting is that the charges can not be disputed because the PAYMENTS were at one point made form a joint account. What does that have to do with unauthorized charges on my behalf which I reported as soon as I became aware? I have been put through the ringer with PNC, they have not been timely. In fact they have made so many errors. They kept sending statements I was requesting to my husband in Florida. He changed the address on file. I have been trying to get issues corrected, but no one is willing to give me the time of day. As a new, single mother who is working full time to provide for my daughter and myself I have received ZERO empathy or understanding from this company. Such a shame.

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 2020-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt that I do not know. I do not owe XXXX XXXX XXXX XXXX anything. I have attached a receipt showing that this account is paid and I don't owe anything.

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 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I paid the full amount ( {$390.00} ) of my Barclay 's XXXX XXXX Mastercard payment due on XXXX XXXX, XXXX, via online payment from my bank on XXXX XXXX. The bank confirms that the check they sent to Barclay 's was cashed on XXXX XXXX. BUT the statement for XX/XX/XXXX - XX/XX/XXXX shows {$0.00} payment for the month and therefore a balance due that includes the {$390.00} + {$27.00} late fee + interest, + new balance accrued. I spoke with " customer service '' (??!! ) at Barclay 's on XXXX XXXX, who agreed to reverse the late payment fee, but told me that it will take at least 3 weeks and likely more to " research '' where Barclay 's lost my payment. and of course, that if I don't pay the balance due ( as described above ) in full IMMEDIATELY my account will continue to accrue interest. 

I do not understand how they get away with charging me interest on money they have misappropriated from me, due to their error. 

I understand that I have no legal option other than to overpay to the tune of {$400.00}, and to do so ahead of my current account due date of XXXX XXXX. 

This is wrong and unacceptable. 
I am also being dunned in the meanwhile with emails offering to help me figure out a payment plan.

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 2020-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal extorted my money. During this difficult time due to covid19 my work place is shut down and I am not able to work. Because of this I have no money. My friends reached out to me and tried to send me donations via PayPal because they know my difficult situation and that I have XXXX children who need food. First they charged me a fee from the donation money sent to me. Second they claim I am a new seller and that they must hold my money for 21 days. I am neither a buyer or a seller. I am a recipient of Charity. These people are just sick stealing from a family in need during a global crisis. More than likely they are also collecting interest on my money while they " hold it '' and they won't give it to me for 21 days. You have to be a real evil company to steal from a guy with XXXX kids. I will never use or recommend their service to anyone ever again. If you want to send a friend money or receive money from a friend don't use PayPal ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial bank finish with their investigation and send me an attachted document. HOW EVER, Ally Financial bank once again fail to provide me THE SIGNED CONTRACT DOCUMENT BETWEEN MY PERSON AND ALLY FINANCIAL, WHERE IS THE CONTRACT WITH MY SIGNATURE AND AN ALLY FINANCIAL REPRESENTATIVE SIGNATURE??? ALSO FAIL TO SEND ME THE SIGNED CONTRACT BETWEEN ALLY FINANCIAL AND 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 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The problem is still not fixed. The mortgage company does not seem to understand how to apply payments and continues to put my weekly payments into suspense and charging late fees, when payments are received well before their deadline of the XXXX monthly. I have been charged bogus late fees and have had to submit many complaints and PHH is still not acknowledging their errors. PLEASE HELP. 
Previous complaint numbers XXXX & XXXX Lets start with XXXX payment. 
XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$1100.00} = XXXX paid in full by XX/XX/XXXX XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX XXXX XXXX=XXXX paid in full by XX/XX/XXXX XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$430.00} = XXXX paid in full by XX/XX/XXXX Financial institutions were closed on XX/XX/XXXX due to XXXX day - so if the payment was delayed in being processed by PHH, it was not my fault, as it was there on the XXXX. 
XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX $ XXXX XXXX paid in full by XX/XX/XXXX XXXX payments made as of today XX/XX/XXXX XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00} = {$2100.00} paid toward the XXXX payment STOP PUTTING MY PAYMENTS INTO SUSPENSE AND CREDIT MY ACCOUNT AS PAYMENTS ARE RECEIVED. YOU CHARGED ME LATE EVEN WHEN PAYMENTS WERE PAID IN FULL PRIOR TO THE XXXX. REMOVE ALL LATE FEES CHARGED AND REIMBURSEMENT ME FOR UNJUSTIFIED LATE FEES PHH TOOK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with XXXX  XXXX, XXXX XXXX, nor Citibank, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, XXXX XXXX has reported a 30 day late on our account to the 3 credit bureaus, and neither XXXX XXXX nor Citibank will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks ) will most likely be to file a class action lawsuit. 

Thank you for your help.

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 2020-04-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: AZ

Complaint narrative:
According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with XXXX XXXX, Elan Financial, nor XXXX, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, XXXX XXXX has reported a 30 day late on our account to the 3 credit bureaus, and neither Elan Financial nor XXXX will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks ) will most likely be to file a class action lawsuit. 

Thank you for your help.

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 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 my bank ( Bank of America ) blocked my debit card because of suspicious activities during my trip in XXXX. When I checked my online banking account I noticed 2 transactions that were not mine ( XXXX $ and XXXX $ ). I filed a claim on XX/XX/2020 by phone with Bank of America. Right after that someone bought a plane ticket from my card with the total amount of XXXX $ ( XXXX ). 
On XX/XX/2020 Bank of America sent me email notification that my claim is closed and all transactions were made correctly. 

What should I do in this case? How I return my money?

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