vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This A COMPLAINT AGAINST BANK OF AMERICA. Your company stop reporting an account that says it belongs to me, this account was opened without my permission and without my authorization. I request your company to block it from its collection systems and stop reporting this account to credit agencies. That is hurting me a lot. The account is : BANK OF AMERICA ACCOUNT NUMBER # XXXX The information contained in this account is reported negatively in my credit report, With this complain I want make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft. Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and wrong for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and require that these fraudulent accounts be blocked immediately. Pursuant to Federal Laws that protect me as I am a victim of identity theft and I provide a police report and all documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which state that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my 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 2020-05-05 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:
( 103 true Identity theft ) I am a victim of identity theft. The information 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 block this information from report XXXX XXXX XXXX  # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date openXX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX XX/XX/XXXXfile number XXXX XX/XX/XXXXReport Number XXXX equifax lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in Equifax Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I have had XXXX XXXX as my home owner insurance for 14 years. XX/XX/2020, I was looking to switch companies to XXXX. They were not supposed to take any action until I completed the walk-through. My policy with XXXX XXXX was until XX/XX/2020. I decided not to follow through with XXXX and cancelled on XX/XX/2020. XXXX sent a bill to Fay Servicing in the amount of {$2400.00} without my permission. Fay Servicing applied XXXX as my hazard insurance company without verifying with me. Fay Servicing sent payment to XXXX on XX/XX/2020. XXXX sent me the refund check and I deposited. On XX/XX/2020, I received notice from XXXX XXXX that my homeowner 's insurance policy was not paid. On that same day, I contacted Fay Servicing to inform them they were not supposed to pay XXXX and now my policy with XXXX XXXX is overdue. The Customer Service Rep instructed me to send the declaration page from XXXX XXXX and Fay Servicing will submit payment with XXXX XXXX. On XX/XX/2020, I sent the requested information to XXXX. I called Fay Servicing on XX/XX/2020 because I noticed the change had not taken effect. I called Fay Servicing again on XX/XX/2020 and explained the situation. This time XXXX ' asked me to send her the same documents and she would send them directly to Escrow. I also made a payment of {$2400.00} applied to my escrow account. I called Fay Servicing on XX/XX/2020 because the change still had not taken effect. The representative assured me the process would be completed by Friday, XX/XX/2020. I have checked my account daily and the change has not taken effect, nor has XXXX XXXX been sent the money for my homeowner 's insurance. I called again to Fay Servicing on XX/XX/2020, to inquire about my insurance payment. Once again, the representative, said they would check into it for me. I have never received any call back or correspondence from Fay Servicing about this matter. When I log into my account, it still has XXXX listed as my homeowner. I have received another overdue notice from XXXX XXXX on XX/XX/2020. I am still being charged for homeowner 's insurance as part of my mortgage payment. The only number to call is XXXX. I can not get access to speak with anyone from management to get the issue resolved. When I click on the Message Center > Contact Us link on the website ( fayservicing.com ), I receive the following message : System Error We're sorry, but an unexpected system error has occurred. We are unable to process your request. 
On XX/XX/2020, the {$2400.00} escrow money was applied back to Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Im receiving letters and telephone calls of harassment, abusive and profane language, garnishment of bank account, death threats and threats of being sent to jail and prison continuously from attorneys at Gurstel Law Firm, a debt collection law firm, for a debt that is not my debt and is the result of identity theft. The debt is a fraudulent debt and isnt my debt. Gurstel Law Firm is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
( 103 true Identity theft ) I am a victim of identity theft. The information 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 block this information from report XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX transunion XXXX number XXXX XXXX  Report Number XXXX XXXX  lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in XXXX   Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

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 2020-05-05 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:
( 103 true Identity theft ) I am a victim of identity theft. The information 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 block this information from report XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX XXXX  file number XXXX experian Report Number XXXX XXXX  lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in XXXX   Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

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 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admiral Holdings, LLC
State: MN

Complaint narrative:
Im receiving letters and telephone calls of harassment, abusive and profane language, garnishment of my bank accounts, death threats and threats of being sent to jail and prison continuously from Admiral Investments , LLC debt collectors. The debt is a fraudulent debt and is the result of identity theft. The debt isnt my debt. Admiral Investments, LLC., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I simply disputed two of my XXXX XXXX credit cards that have not been accurately reporting the correct balance and recent payments that I had been making to my Experian credit score. What instead happen is when I filed the dispute, being the fact that when Experian reached out to them they did not reply within 30 day, my two credits cards which are still currently active and in GREAT standing were removed from my Experian credit score. My score also dropped due to the removal. I am VERY UNHAPPY about that and this situation as a whole, I simply wanted my credit cards current status to accurately be reported but they were instead removed. I need this FIXED ASAP and what I mean by fixed is my two XXXX XXXXXXXX accounts to be appear back on my Experian credit score and at the end of each cycle and preferably refresh with the most current information and payment history at the time. I would also like to be anointed the points that I lost back for this error if that is even 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 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/20 I contacted a male named XXXX XXXX he was selling a French bulldog puppy named XXXX he sent me pictures and a call saying that the puppy was in a good health that I had to send him {$1600.00} through the apps XXXX XXXX and I sent it right after I noticed that it a scam, I called my bank wellsfargo the representative told me that it was Authorized push payment fraud ( APP fraud ) is a form of fraud in which victims are manipulated into making real-time payments to fraudsters, typically by social engineering attacks involving impersonation. That I didn't have to worry wellsfargo was going to refund me my lost money {$1600.00} then wellsfargo called me and told that they can't do nothing to refund me that money because they don't have the power to do it so, Even they said about that APP fraud was a scam. I called them to say that I have 10 yeas with them and I didn't have a problem like that before but I could see that they didn't know what they were doing about it. This is the case number # 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 2020-05-05 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was never late on this account on the date of XX/XX/2019. 
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 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Springer Collections Inc.
State: MN

Complaint narrative:
Im receiving letters and phone calls of harassment, abusive and profane language, garnishment of bank accounts, death threats and threats of being sent to jail and prison continuously from Springer Collections Representatives for a debt of {$5000.00} they say I owe to XXXX XXXX XXXX for Child and Family Development in XXXX, Minnesota. The debt is a fraudulent debt and and is the result of identity theft. The debt isnt my debt. Springer Collections are in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: MN

Complaint narrative:
The following collection account listed on my Experian, XXXX  and XXXX XXXX credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my Experian, XXXX  and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.

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 2020-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: FL

Complaint narrative:
I had contacted One main XXXX Fl in XXXX due to the effects of the covid 19. I unfortunately suffered a set back as my company released me due to the pandemic. I asked them to take me off of direct pay because i had no income and could not afford to make the payments on the two loans i have on the dates they were scheduled to be drafted. They directed me to thier website where i was able to do it myself. They then called me every couple of days to check on thier payments and i explained to them that i am working on trying to gain reemployment but its very hard at this time. I struggled and found a way to make both of XXXX payments late, the last one being  around the XXXX. On XX/XX/XXXX without authorization they drafted XXXX dollars out of my account that was unenrolled in direct pay and sent me into negative with bank fees making my position worse. They claim they were here to help during these trying times but in all reality, they could care less because they will not refund any of the unauthorized money they illegally took from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I don't remember paying late on this account. Why do I see 30 days late remarks. 
SANTANDER - XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I had previously set up an automatic recurring transfer of my unemployment funds to go to my bank account, however when I get my funds I get an email alert saying that the transfer did not go through. I also tried doing a one time transfer, so i think that maybe both of those inputs may have clashed with each other, and it's now pending for weeks. I'm unable to cancel the pending transfer.

I haven't been able to make any transfers for a few weeks now. The Bank of America site no longer gives me the option to change any settings regarding transfers. I emailed them 3 times with no reply. I called their customer service line and the customer service people said that they can't cancel the pending charge either and that I maybe just have to keep waiting it out.

I'd appreciate any other solutions if you have any. I need to pay off my credit card but can not if I don't transfer my unemployment funds to my bank.

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 2020-05-05 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: MN

Complaint narrative:
The following collection account listed on my XXXX XXXX and Trans Union credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my XXXX XXXX  and Trans Union credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.

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 2020-05-05 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: MN

Complaint narrative:
The following collection account listed on my XXXX, Equifax and XXXX XXXX credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: MN

Complaint narrative:
Missed payments for my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX credit card is incorrect. I have never missed or had a late payment with the above creditors. All of my payments has been on time.

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 2020-05-05 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: MN

Complaint narrative:
Missed payments for my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX credit card is incorrect. I have never missed or had a late payment with the above creditors. All of my payments has been on time.

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