vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 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: SC

Complaint narrative:
The accounts and inquires listed on my credit report I did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 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: SC

Complaint narrative:
The accounts and inquires listed on my credit report I did not do.

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 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XXXX, after receiving documents from XXXX XXXX regarding a file company against Bank of America, one personal signature statement was presented along with a copy of a cashed check that was unrelated to accounts in questions. I reviewed the documents and found that the personal signature statement contain a name and address of the bank representative ( XXXX XXXX XXXX XXXX XXXX  in XXXX , Tx ) ph # XXXX. I proceed to go to Bank of America at that location. I spoke the the Branch Manager which, she was very helpful and had no knowledge of the person on the documents. She checked the transit numbers ( written across the XXXX TX XXXX XXXX ) on the check which was sent by XXXX XXXX with no match to their system. We also check the two the phone numbers of the transaction one for XXXX XXXX-ph number XXXX which, a man stated it was not XXXX XXXX and refused to disclose business. The other business was XXXX XXXX # XXXX which, was a good number but, no one could ID the activity. What's very odd was the signatures on the " Personal Signature Card '' The Printed Name was " NOT COMPLETED '', the Signature part was copied and " had Add-XXXX  '' and the DATE contained to MANY Numbers " XXXX. It appeared to be TWO PEOPLE WHOM attempted to sign the document for account ending with " XXXX ''. We looked at all 4 " Personal Signature Cards WHICH ALL CONTAINED DIFFERENT SIGNATURES. Accounts which utilized the Business Name contain No " IRS '' FEIN number or NOR utilizing the business email address. Some used the old school college account which, after school we never continue to get access too. After you graduate from COLLEGE the email access is REVOKED -- '' NO ACCESS ''. These Personal Signature Cards where VOID at time of Service due to the DATES or Not trying to check the signature cards on file which would have alerted the BANK THAT PROTENTIAL FRAUD WAS GOING ON. The Bank Records show this was also my husbands account which was transfer to the forged ( my name ) account number ending in XXXX. I Filed a XXXX Police Report for Forgery and had already filed fraud in XX/XX/2015. Please see the attachments..

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 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I was trying to purchase concert tickets from a Venue ( XXXX XXXX, XXXX, MA ). There was an individual who was selling tickets on the Theatre 's web site. I contacted this person and had an exchange via XXXX  messaging. They asked that I send the money Via Pay Pal ( {$80.00} ). I sent the money. They disappeared and have ceased all contact, and the money was transferred. I filed a complaint with Pay Pal and they said I authorized the charge so there is no resolution for me. I did not receive the goods. What recourse can I take. I have the persons email, XXXX  and the messages pertaining to this transaction. Help. I thought if I went through PayPal my purchase would be protected, apparently not. 

Case Id from PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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:
In XX/XX/XXXX-XX/XX/XXXXsomebody opened student loans in my name without my knowledge I reached out to XXXX XXXX  and they are working to fix the issue I do have student loans that are mine but they don't add up to the amount that's being reported 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 2020-02-05 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:
In XX/XX/XXXX-XX/XX/XXXX somebody opened student loans in my name without my knowledge I reached out to XXXX XXXX and they are working to fix the issue I do have student loans that are mine but they don't add up to the amount that's being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The reporting is beyond the time allowed to be reported based on the day first reported as delinquent as per credit reporting law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been on the phone with Equifax for two hours trying to obtain a login password because their automated login will not forward to me an email to change my password. The problem is there is no way to speak with a representative. I have called 5 different numbers and been through numerous ques. The other two agencies were easy to log into and do what I needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: NY

Complaint narrative:
I reviewed my credit report and realized I have 4 unauthorized credit inquiries. XXXX  has been reporting address where I have never lived or been affiliated with before. Notified credit bureau immediately and was asked to reached out to creditors for verification. I sent a letter as well as identifying information to Transunion and XXXX  and nothing has been done to resolve the issue. It has been more than 30 days and no one is helping in resolving this matter as I am aware they are not to report inaccurate information on me.

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 2020-02-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have written to XXXX XXXX, Equifax and XXXX  several times asking them to do a investigation into a ( filed ) bankruptcy they are reporting on my credit report ... I have sent them letters from the bankruptcy court stating they do not share this information with anyone. So Im unsure how they are validating this negative item that they refuse to investigate. They said they get their information from XXXX but the bankruptcy courts again said they do not give this information to anyone. And my XXXX report is frozen how are they even getting information from them? I sent that as evidence yet they still refuse to remove this information from my report ... this is fraudulent information as it is reported that is was paid/dismissed, this is completely inaccurate I never met with a grantor/trustee nor did I attend court for any bankruptcy ... it was a filed bankruptcy and I immediately withdrew with the attorney and choose to go a different route. I attached two pieces of information showing that they cant possibly be validating this information as stating the bankruptcy court is the reporting agency on my credit report yet they receive the information from a third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Credit card taken out in my name unknowingly back in XX/XX/2015 store XXXX  by individual living in my home. 

I dividual had been XXXX for other XXXX, XXXX  etc.. 

Notified Portfolio Recovery however still showing on my credit reports. 

I am not responsible for said debt of {$1000.00} Portfolio Recovery has not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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 — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: DE

Complaint narrative:
" Google '' withdrew on XX/XX/2020, {$150.00}, and again on XX/XX/2020 another {$120.00}, and {$180.00}, on the same day totaling {$450.00} in the three different withdraws. No purchase was made, or authorized. Google was contacted online, and a claim was submitted. Claim ID # XXXX was said to be investigated, but their only response was that the claim could not be verified, and to check with family members to see if they had made the purchase. No one else in my household, so I would have been the one to do the purchase. I asked " online '', what it was that I purchased, but there has been no response to my request. Nowhere has been an explanation of my purchase, or what it was for. On the Google website, I was able to view my past purchases, and was shown that I have no prior purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ok I have an account with XXXX XXXX XXXX XXXX and i got the loan XX/XX/XXXX still working on the settlement I know it stays on my record for 7 years 6 months from date of the first delinquency which was reported as XX/XX/XXXX Experian is now showing that it is scheduled to come off XX/XX/XXXX that is illegal re-ageing because that would mean that my first delinquency was XX/XX/XXXX they are purposely trying to add an extra six months to stay on my report I have their own report from XX/XX/XXXX that shows the first delinquency as being XX/XX/XXXX which means comes off report in XX/XX/XXXX, not XX/XX/XXXX they are just trying to force me to pay and I get that but the law is the law

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 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: AZ

Complaint narrative:
mid america debited my account although recurring payments got cancelled due to the fact that I paid 10 mortgage payments in advance. 
XX/XX/XXXX the money was debited after several phone calls and hours of waiting on the phone they assured me on XX/XX/XXXX that the money will be wired back. 
Today is XX/XX/XXXX and I still don't have the money. 
amount we are talking about is {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The reporting is beyond the time allowed to be reported based on the day first reported as delinquent as per credit reporting law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: PA

Complaint narrative:
I keep getting calls for someone else. Mo matter how many times I tell them I am not even the person they are trying to reach, the calls start up again a few months later. They have been calling me over and over multiple times a day and I want it to stop and never start up again. It isn't even my debt!!! It's an old roommate from over 15 years ago. They call from XXXX. I have gotten 30 calls so far from this number, and hundreds of calls from different debt collectors about this same person and they never remove my number. I am ready to get an attorneym

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 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited on XX/XX/2020 {$450.00} CASH then $ when asked if I wanted to deposit more I deposited {$900.00} the ATM gave me back a {$100.00} and the ATM started to make a loud jammed noise. After that gave me a receipt stating MACHINE ERROR Attempted deposit {$450.00} I contacted the branch manager and he when through the back of the ATM machine and said he only had limited access and that he could see any bills jammed. I called the ATM department ( since the bank has nothing to do with their own atm ) and filled a claim. The representative filled 2 claims one for {$450.00} and another {$800.00}. Up to today i only got {$450.00} deposit to my account and the {$800.00} still on dispute because the bank closed that dispute as a " duplicate claim '' even do its not the same amount! How can it be a duplicate? Now i have another claim number and no response from the bank. 
US Bank is in violation of regulation E. 
ATM claims you have to wait 10 business days for a credit even do its not a third party ATM. Ridiculous

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 2020-02-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Sometime mid XX/XX/XXXX, my email was hacked which exposed my Chase credit card & XXXX XXXX XXXX accounts. There have been unauthorized transactions in both. 
I reported it to a Chase Bank Customer representative in XXXX CA ( Mr. XXXX XXXX ). 
Two of the transactions on XX/XX/XXXX were refunded. 

A letter dated XX/XX/XXXX indicated the two transactions on XX/XX/XXXX  were deemed I was responsible of. The mercahnt name for both transactions was XXXX. One was for {$2700.00} & the other {$2300.00}. The reason given by Chase for saying that I was responsible was " You received credit from this transaction '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
Contacted the original company the debt was owed too. I inquired about the status of the debt. I was informed this company, XXXX and XXXX law firm now had the debt and was given information to contact them. I contacted them and was successfully able to speak with XXXX on XX/XX/XXXX. She informed me that there was a Do Not Contact on my account, however they did not have any phone number listed on my account. Additionally, she shared that they received returned mail on XX/XX/XXXX from a XXXX XXXX . I clarified I did not maintain that XXXX XXXX . She explained that they was a lawsuit filed on XX/XX/XXXX for the amount of {$6800.00}. I inquired about how that could be when I had never been contacted nor received any mail from them. She transferred me over to attorney, XXXX XXXX XXXX. When speaking with Mr. XXXX he inquired about my XXXX XXXX address and I believe he took the correct one down. He informed me that their office received a letter from a person with similar name as mine from an address that was not associated with me. However, it was clarified the letter was signed by me. Mr. XXXX stated he would follow up with me. I have contacted the office now three times and have not been able to reach Mr. XXXX, nor have I received clarity on what is going on. I contacted the office on XX/XX/XXXX and XX/XX/XXXX. I was able to leave a message for Mr. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2020 RE : Citibank, N.A., Security Services, Last four digits of Account number XXXX, and reference your case # XXXX with XXXX XXXX XXXX , XXXX, ( XXXX ). 

Citibank , N.A . address identifier at XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. 

From XXXX XXXX XXXX This notice and communications is sent to Citibank, N.A., to inform them to stop and cease their actions. The account XXXX is been closed due to fraud and identity theft. XXXX, has communicated this to Citibank , N.A . and me in a letter of XX/XX/2020. I have affirmed to Citibank , N.A . this fact, that the account has been closed due to identity theft and fraud. Citibank, N.A., has continued to behave unprofessionally and continues to haze me. Citibank, N.A., has acted without care regarding protecting my identity or restoring the costs of legal fees and research due to its own data breach. The data breach within Citibank, N.A., recorded in its history. 

Citibank, N.A., is harming me personally and in error, my address identifier is not XXXX XXXX XXXX, XXXX, New York, XXXX. Citibank, N.A., is no longer permitted to sell my identity and personal data to companies, this is hazing and an act of harm and violence against me. 

Thank you so much for your attention to this matter. Citibank , N.A . is to stop and cease all actions against me immediately. XXXX, XXXX, or XXXX  are not selling my address identifiers to companies. I have secured personal identity theft protection at my own cost. 

Citibank, N.A., has a debt due me of {$7500.00} for legal fees, research, identity theft protection, loss of wages, inconvenience, and misuse of my name, address, and personal identity. You have to stop selling my identity. Please mail my check for {$7500.00}, to XXXX XXXX XXXX, XXXX, New York, XXXX, for legal fees and research and stolen identity.

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 2020-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
Issue : Mortgage Company will not establish a new loan to accept my payments and will not communicate with me on how to resolve issue. 

On XX/XX/2019 I was closing on a refinance of my home with my original loan service " Lakeview Loan servicing by XXXX  ''. Upon signing I found incorrect information one item was a simple fix of an address. The other item was an incorrect amount of {$250000.00} listed as " Amount of Mortgages and Liens '' and {$1500.00} " Mortgage Payments ''. I question the amounts as originally I purchased the house for {$200000.00} and at the time of refinancing I owed approximately {$190000.00} and paid a mortgage payment of approximately {$1300.00} a month. The representative at closing was not able to help nor reach anyone available to help. I refused to sign the paperwork with incorrect figures as this is a legally binding document and failed to close. On XX/XX/2019 I submitted to cancel using my " Notice of Right to Cancel '' paperwork that was given to me because my loan officer, XXXX XXXX XXXX, would not provide clear directions on how to correct this paperwork nor would he send corrected paperwork for me to sign. The loan was cancelled and Mr. XXXX promised to make it right by refinancing at a lower interest rate vs. me leaving to find a company more keen on details. After a few months the second refinance was never submitted by my loan officer and my original loan was paid in full even though the first refinance was cancelled. Mr. XXXX ignored emails and forwarded them to XXXX XXXX a loan processor of XXXX XXXX XXXX XXXX XXXX on behalf of Lakeview Loan Servicing NMLS # XXXX to which no resolution occurred. I have attempted to contact Lakeview customer service multiple times but that also did not provide a solution, customer service responded with " We must have sold your loan ''. I have not received any notices from any other company for servicing my loan. For the last 8 months the company will not take any payments as it shows both my original loan and the failed refinance loan as paid in full.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My Mortgage Servicing Company SLS ( Specialized Loan Servicing ) has confirmed to me verbally by SLS Representative : XXXX ref # XXXX that the payment history as reported on all 3 credit bureaus is INCORRECT. The bureaus state that in XX/XX/2014 I was 120 days late on my mortgage payments which is incorrect. I have never been late more than 60 days. As a result, I have been denied credit and am being charged additional fees and a higher interest on my refinance loan pending. SLS has refused to contact all 3 bureaus to have the account corrected.

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