vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX I opened a Best Buy credit card to purchase a tv for {$900.00}. I paid it off immediately. In XXXX of XXXX I receive a Best Buy card bill with A large amount charged. I think it was around XXXX XXXX I have never used the card since my XXXX tv purchase. I reported the fraud immediately to the Citicard. On XXXX I received a letter from the security operations stating the fraud was taken care of and the disputed charges have been removed. Then I get a new card! I did not ask to open another card I dont use! I call immediately to cancel the card. XXXX I receive a letter saying it was closed. XXXX I receive another bill for {$600.00}. Then same day XXXX I receive another letter stating my charges have been disputed and they have been removed. I call again. I have spent hours upon hours in the phone and can not get to anyone who can help me. They keep putting me on hold and transferring me to another department to start the story over. The last call I made on Friday I believe after what I have been told is only part of the disputed charges where taken off and the rest was put into this new account they opened without my permission and is now closed. Now I am still receiving calls daily to collect the debt that I did not make. That I have letters saying has been satisfied. My credit has been ruined because of this. I am very upset. I have 2 college student who need student loans that I need to sign for and now I can not because they have ruined my credit. If someone can help me I would appreciate it. Thank you. 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 monetary relief
Consumer complaint received 2020-03-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Found incorrect items on my report investigation taking longer than 30 days

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 2020-03-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Found incorrect items on my report investigation taking longer than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Found incorrect items on my report investigation taking longer than 30 days

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 2020-03-29 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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I've recently sent out three disputes about my BMW Financial car loan with XXXX, XXXX  and XXXX. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my XXXX and account the total of the balance has been set to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. We have a current mortgage with Wells Fargo Bank for one of our rental units. We would like to extend this mortgage for at least 90 days because we do not want to be caught in a bind. It looks like more and more states are not allowing eviction for non-payment of rents. If this were to happen to us we would not be able to pay the mortgage on this property. 

We have called Wells Fargo Bank on XX/XX/20, XX/XX/20 and XX/XX/20 and we were placed on hold for over 2 hours and the call just drops. This repeats no matter how many times we call.

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 2020-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I applied for loss mitigation assistants with XXXX XXXX XXXX and was in the process of a short sale loan approval, when i was notified that the loan was being transferred to a new loan servicing company on XX/XX/2020 to Shell Point Mortgage Servicing, My loan was already in loss mitigation when shell point received it i was told by the representatives at XXXX XXXX that my file would just continue on with the new servicing company and all foreclosure action had cease and desist because of the short sale process, But Shell Point decided to ignore and disregard the California Home Owners Bill of Rights as well as the recently mandate decree by Governor XXXX for financial institutions to stop all foreclosures against California citizens, in light of the recent events of COVID-19 which has crippled just about every industry in this nation all real estate business has stopped, Shell Point has violated all laws and rules pertaining to my Loss Mitigation short sale process they need to REVERSE ALL FORECLOSURE ACTION IMMEDIATELY!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : I've been trying to remove accounts from my credit report that do not belong to me, how ever I have been unsuccessful once again I'd like to request these fraudulent accounts must be removed from my credit report immediately, they have created great harm in my ability to obtain 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 2020-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Collections is attempting to collect a debt that is not valid, the contract was violated by the vendor for services that were not rendered in full outlined in the contract. I discussed this with my Attorney and credit card company and showed them proof of what exact services were and were not rendered. I was advised to dispute the amount of what was not completed with the vendor and with no luck ended up disputing a portion of the entire amount paid with my cc company and won. This is when Southwest Collections decided to get involved and since then, they have violated numerous provisions of both the Fair Debt Collection Practices Act and the Texas Debt Collection Act in which my attorney has already notified them of. On XX/XX/2019 XXXX XXXX sent myself and my fiance ( who has nothing to do with this debt ) an email threatening that XXXXXXXX XXXXXXXX not fulfilling their contract and myself being awarded back fees paid for a service not rendered " could be construed as theft of services '' and said the client can look at other avenues which can " be done in a civil or criminal proceeding ''. On XX/XX/2019 I was emailed by XXXX XXXX then threatening further pursit against my D-U-N-S Number : XXXX, he then proceeded to send me copies of the not-signed agreements with XXXX XXXX which also show Southwest recovery everything XXXX XXXX was supposed to provide as a marketing service, in which they only rendered 1/3rd of the services. This was also a business contract with no personal guarantee stated anywhere within the contract, and yet this is on my personal credit report. I am attaching copies of the contracts and email communications with southwest recovery and my attorney as documentation.

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 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : I've been trying to remove accounts from my credit report that do not belong to me, how ever I have been unsuccessful once again I'd like to request these fraudulent accounts must be removed from my credit report immediately, they have created great harm in my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 A dispute was filed letting the credit bureaus know that there was an accurate information on my credit report with Credit Acceptance Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : I've been trying to remove accounts from my credit report that do not belong to me, how ever I have been unsuccessful once again I'd like to request these fraudulent accounts must be removed from my credit report immediately, they have created great harm in my ability to obtain 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 2020-03-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently sent out three disputes about my XXXX XXXX car loan with XXXX, Transunion and XXXX. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my Transunion and account the total of the balance has been set to {$0.00}.

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 2020-03-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've recently sent out three disputes about my XXXX XXXX car loan with XXXX, XXXX  and Equifax. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my XXXX  and account the total of the balance has been set to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently sent out three disputes about my XXXX XXXX car loan with Experian, XXXX  and XXXX. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my XXXX  and account the total of the balance has been set to {$0.00}.

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 2020-03-29 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: AES/PHEAA
State: FL

Complaint narrative:
I've sent three credit report disputes to XXXX, XXXX and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have transferred my credit card balance from my Wells Fargo credit card to my XXXX XXXX credit card. XXXX send Wells Fargo the check and the balance transfer was transferred. However despite Wells Fargo accepting the check from XXXX, and XXXX completed the transfer, Wells  states that the never received any money from XXXX  for the transfer. 
1. XX/XX/2020 a {$1500.00} transfer initiated to transfer {$1500.00} from my Wells Fargo credit card to my XXXX XXXX card and as per XXXX, it was completed and reflects on my XXXX   credit card account, as per XXXX XXXX credit card XX/XX/2020. Wells Fargo states they never received any payment from XXXX  at any point in that time frame ( XXXX ) and reflect no change in balance ( well Fargo credit card remains the same amount as ever ). 
2. XX/XX/2020 balance in the amount of XXXX from the same Wells Fargo credit card account was initiated and suppose to be transferred to XXXX. XXXX states Wells Fargo was also paid and on XX/XX/2020, XXXX  notified me the balance transfer was complete. 

Wells Fargo accepted the checks from XXXX, however the balance on my credit card with Wells Fargo hasnt decreased at all. 

I called Wells Fargo card services and the stated they never received and payment from XXXX XXXX XXXX XXXX.  Wells Fargo has some internal corruption.

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 2020-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Sir/Madam Good morning The CHASE refused to waive my Equity Line monthly payment due Coronavirus as President Trump determined. 
They are not cooperating. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND XXXX  PROVING SUCH. EXPERIAN AND XXXX  KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.

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 2020-03-29 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: Reliable Auto Finance, Inc.
State: FL

Complaint narrative:
XX/XX/2020 A dispute was filed letting the credit bureaus know that there was an accurate information on my credit report with XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Hello, I received a call on Friday, XX/XX/2020 and the caller said he was XXXX XXXX from XXXX XXXX ( this is my car insurance office ). He asked three times if I was XXXX XXXX and I said yes, I am -- then the call hung up. I called the number and got Portfolio Recovery Service. Then I called my XXXX XXXX office and confirmed I had not received a call from them. 
The caller misidentified himself on purpose in order to confirm my phone number is correct ; isn't this illegal? 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: Navient Solutions, LLC.
State: AR

Complaint narrative:
I TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND XXXX  PROVING SUCH. XXXX  AND XXXX  KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: AR

Complaint narrative:
I TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND EQUIFAX PROVING SUCH. XXXX  AND EQUIFAX KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've sent three credit report disputes to XXXX, Transunion and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.

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 2020-03-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've sent three credit report disputes to XXXX, XXXX and Equifax. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: FL

Complaint narrative:
I've sent three credit report disputes to Experian, XXXX  and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.

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 2020-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE AND XXXX FURNISHED 1099-C FOR ALL CREDIT CARD DEBT LISTED ON XXXX ONLY, ALL BUREAUS COMPLIED LONG AGO!

Company response to consumer: Closed with non-monetary relief