vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX and XXXX XXXX EQUIFAX  AND XXXX. I have gotten letters phones calls and report still showing on my credit profile.. Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no dealing with them. This is violating my right and all of 15 USC code 1692I. USING 15 U.S. Code 1692g WHICH I HAVE BEEN REQUESTING PROOF AND NONE HAS BEEN GIVE SINCE I AM A VICTIM OF IDENTIY THEFT JUST CONTINUE TO TELL ME ITS VALID NOW IM 15 U.S. Code 1692K OF MONETARY SETTLEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My personal information was compromised and fraudulent accounts were opened in my name without my consent. I notified the creditor than Im a victim of fraud and the creditor agreed to remove this account from my reports. After several disputes attempts, creditor still hasnt removed this erroneous account from my credit reports. 

SYNCB/XXXX  : {$2700.00} Date Opened : XX/XX/2017

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 2021-02-16 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: PA

Complaint narrative:
My name is XXXX XXXX an im submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: PA

Complaint narrative:
Its now XXXX  and my XXXX  is still locked! Now Im getting told to call back in the afternoon ( which is almost impossible! ) Its been locked since XXXX. Im not sure what else to do at this point! This is a pandemic and I cant even access MY MONEY! Theres no physical branch in Pennsylvania or Id go there in person. I wish our government offered other payment options! 3-5 business days is turning into 3-5 months

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 2021-02-16 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: CA

Complaint narrative:
not mine ive tried to remove and i do not have an account with them and it keeps adding to the amount and never removes i have disputed this multiple times

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 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We had accounts with bank of america for several years, our account is linked to XXXX  as well as XXXX account as we have been using both companies to buy and sell stuff, on XX/XX/2020 our funds were running low, at this time XXXX tried to withdraw 3 small charges related to ebay shipping fees in the ammount of {$3.00}, {$3.00} and {$3.00} causing a {$9.00} overdraft in our account. 
Bank of america immediatly charged {$35.00} per transaction overdraft fees, bringing the overdraft to {$110.00}! 
Bank of america subsequently returned the items unpaid charging $ XXXXea return item fees, this caused XXXX to represent the unpaid items on XX/XX/2020, XXXX, XXXX charging {$35.00} return item fees each once again. 
in addition on XX/XX/2020 two new charges of {$4.00} were attempted by XXXX, both were returned as well and a total of {$70.00} return item fees were charged! as a result our account balance is now well over {$1000.00} into overdraft entirely due to overdraft and return item fees charged by bank of america! We have tried to resolve this issue with bank of america but they were only willing to refund {$70.00} which is a joke! 
My complaint centers on two factors, first of i consider charging {$35.00} fees on small charges more than excessive and second if bank of america had paid the items initially all the reruns and associated fees could have been avoided

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 2021-02-16 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: TN

Complaint narrative:
I WAS LOOKING TO START A NEW BUSINESS WANTING TO RAISE SOME CAPITAL FOR THAT BUSINESS. THE BANK I HAVE AN ACCOUNT WITH INFORMED ME THAT I HAVE MANY ACCOUNTS THAT ARE NOT IN GOOD STANDING. I KNEW THAT THIS WAS NOT THE CASE I LOOKED AT MY CREDIT REPORT AND THESE ACCOUNTS ARE NOT MY ACCOUNTS. I NEVER SIGN FOR THESE ACCOUNTS NOR DO I HAVE ANY BENEFICIAL INTEREST IN THESE ACCOUNT THEY NEED TO BE REMOVE ASAP FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: CA

Complaint narrative:
I called Transunion to dispute some fraudulent inquiries that were on my credit that was not authorized by myself. This is my 3rd time trying to dispute these. The customer service representative wouldnt even allow me to give them the info I was trying to dispute. Below are the list of inquiries that are fraudulently being reported by Transunion. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-16 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: NM

Complaint narrative:
I am trying to get pre approved for a home loan. All my credit is frozen b/c I have be part of multiple breaches ( Equifax, XXXX XXXX, XXXX, that I know of ). 
Yesterday I went to all 3 agencies and lifted the freeze with no apparent errors. I let my loan agent know, and this morning he informed me they are still locked. I executed the same effective window lift for each agency XXXX XXXX XXXX XXXX ). Today is the XXXX. 

If there is a transition period ( e.g. effective in 24 hrs ) they should inform me of that. They did not. 
If the XXXX was not available as an open date, it should not have been offered by their calendar. 
Finally, they all use robots for this service so there is no way to correct the situation or get information. 

This is totally unacceptable for a problem ( amassed financial information ) they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial
State: CA

Complaint narrative:
Blue Chip Financial sent cancellation of debt notice for " personal loan ''. But I NEVER HAD A LOAN FROM THIS OR ANY OTHER COMPANY. Nevertheless, they filed a 1099-C as if I had a loan for {$800.00} cancelled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX our personal checking account was defrauded of {$8800.00} using a fake passport as Identification. The bank reviewed the transactions with us while on the phone. They confirmed two checks were written and cashed at their XXXX, PA branch. Our branch is in XXXX, PA ( hundreds of miles away ). Those checks bounced and the bank emptied our account to cover the checks. They said an investigation would begin and our funds should be returned within 7 days. It's been 16 days and our funds have not been returned. We have contacted them several times over the past two weeks and they say they are still investigating. We need your help. We are XXXX  citizens and need these funds to live.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
GOOD MORNING, I AM IN THE PROCESS OF APPLYING FOR A SECOND MORTGAGE LOAN. ON XX/XX/2016, MY FIRST HOUSE WAS TOTALLY LOST FROM A FIRE. I PAID THE BALANCE OF MY MORTGAGE OFF FROM THE INSURANCE MONEY. I NEED THE CLOSING DISCLOSURE DOCUMENT FROM MY HOME, BUT US BANK HOME MORTGAGE STATED, DUE TO MY PERSONAL INFORMATION IS IN ARCHIVE, THEY ARE UNABLE TO HELP ME, THEY STATED THEY WOULD NEED THE MORTGAGE ACCOUNT NUMBER. WELL, EVERYTHING I OWNED, BURNED IN THE FIRE, INCLUDING MY MORTGAGE PAPERS. I FEEL US BANK SHOULD BE ABLE TO GET ME WHAT I DESERVE. IF I STOPPED MAKING MORTGAGE PAYMENTS, THEY WOULD HAVE THE ACCOUNT NUMBER TO SUE ME. I PAID THE HOME OFF, SO THEY SHOULD HAVE THAT INFORMATION REDIATLY AT HAND TOO.

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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
Just recieved a delinquent tax notice for my home and never missed a mortgage payment. The mortgage payment includes an escrow account for insurance, PMI, and taxes, and Planet Home Lending ( mortgae servicer ) never sent out payment. I tried telling them last year and they did nothing. Have tried calling them multiple times and can not get in contact with anyone ( on hold for over an hour ). There is interest accruing on the delinquent tax bill. Dont know what to do, I know they have the money in tge escrow account, should I pay the delinquent bill? Who pays the interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This information needs to be removed from my account because the reporting agencies all have different numbers ( amounts ). Please have this removed from ALL OF 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 2021-02-16 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:
Upon checking my credit report a year ago, I found several mistakes that were on my credit. Since these items were obvious fraud or mistakes by the bureaus I hired a credit repair agency to handle the issues on my behalf. It has been close to a year and they have not been able to remove the errors. Someone recommended to me the Consumer Finance Protection Bureau. I hope your company can assist me in getting these fraudulent items removed from my credit report. 

The errors that are reporting on my credit report are from the following companies with whom I have never associated with : XXXX XXXX, XXXX, XXXX 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 2021-02-16 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: AES/PHEAA
State: TX

Complaint narrative:
I received my credit report from XXXX  and noticed a student loan that was placed into collections with a balance of XXXX dollars. I disputed this with the credit bureau and they were able to verify this account and suggest that I reach out to the creditor. I reached out the creditor on XX/XX/XXXX requesting what the money was owed for, how the calculated the amount I owe, and copies of any papers showing I agreed to pay what they say I owe. They have not responded in the 30 days allowed. This company is in violation of the fair debt collection practices and violation of the fair credit reporting act by not providing me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
On XX/XX/21 I made online payments to my student loans held by Navient. I selected the option of specifying the amount paid on each loan separately. I paid a total of {$570.00} dollars to Navient. This amount was posted to my checking account on XX/XX/21. On XX/XX/21, I received an email from Navient stating that I had paid {$430.00} and that two of the loans I had paid, still had balances due. Neither this email, nor my account information on their website showed the additional {$140.00} that I had paid in. I contacted Navient, and they were unhelpful. I contacted my bank and reported this payment to their dispute resolution department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had fraudulent activities on my account at chase, they transferred a few large amounts on of my account into another account and to different people from my login. I reached out as soon as I noticed the issue, and created a claim as well as a police report/identity theft report. They denied the claim and took almost XXXX out of my account, due to said person using my account to make the transfer. They didn't give me a reason for denying my claim until I called. I called to explain further and try to reopen or create a new claim and the representative refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I applied for this loan at XXXX. I was approved in the store drove off with the car. 

I was sent approval notices from ally on the same day. Both notices reflect a different score. My credit score was altered by Ally just to give me this loan. 

I made payments until I noticed Ally financial was shelving a portion of my payments. They were not reported properly with credit agencys and now my credit is severely damaged. 

When I notified this company that I was aware of this a man with a tow truck came to steal it. I was not given collection notices. I received two calls asking for payment at which time I stated I was waiting for them to reply to my certified mail. In that mail correspondence I inquired about the payments I made being split up on there accounting records and asked why none of it was being applied toward the principle. 

I contacted the district attorneys office in XXXX XXXX and still have not received a response. I also sent many letters to XXXX XXXX because I could not get help here in this county regarding this company. 

As you know XXXX started a XXXX dispute and my situation is a prime example of that pattern with this company. 

Please see evidence attached.

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 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Today XX/XX/2021 PayPal withdraw {$7900.00} from my business bank account without my authorization, leaving my account overdraft balance of - {$5400.00}. My customer used the wrong card to do his payment on XXXX XXXX who is from I receive my payments and he ask for refund with his credit card company. PayPal is charging the fees from that transaction and did the withdraw from my business account without my concern leaving with no money to work and left money on PayPal account who gets 1-2 business day to the money go to my bank account and They have a option who is suppose to transfer instant money paying a fee of course but the way dos nor work to and I have to wait 72 hours to PayPal review the transaction and maybe transfer the money to me. 
I have to hold all my crew and keep paying then per day until I have the money in my account back to start my jobs again. Until that my company XXXX XXXX XXXX XXXX will be close and putting me and a hardship situation who the only will pay for that for sure will be me because my employees will get they money, the customer who did a mistake paying with wrong card will have hes money back with full amount, PayPal will have they money and also me and my company will pay for everything mistake made for somebody else or some company. 
I will fill a Police Report against PayPal and for sure I will Law Suit for any damage they causing to me and my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This Items been removed months ago Transunion re added the same 3 XXXX XXXX back to my TransUnion credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : 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 2021-02-16 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2020, Portfolio Recovery Associates add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Portfolio Recovery Associates has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a Wellsfargo credit card back from XX/XX/2013, it has been charged off and closed. It has been over 7 years since this credit was open. I do not owe this money anymore. Please assist with this issue.

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 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: PA

Complaint narrative:
A phone number from XXXX, when I pick up a recording plays saying they are looking to talk to me, then another recorded voice come on but they make it sound like a real man, a mean man. And he threatening that if I do not call him " the case will get worse '' and " it's in my best interest that I call ''. Very loud and rude. He then give this phone number to call him XXXX and the email address https : //www.directrecoveryservices.com/. 
It's all fake and needs shut down before they get an elderly victim. 
Thanks for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not inquired on my credit for years so there should be no inquiries

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