vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-17 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: CA

Complaint narrative:
Having issues with the depart of education and all three credit reporting bureaus still showing my school loans not being paid and are in default and not being paid. Been making payments part of my rehabilitation since XX/XX/2019. Then also with the help of the cares act it shouldnt even been reporting 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 non-monetary relief
Consumer complaint received 2020-10-17 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: TN

Complaint narrative:
On XXXX I submitted a dispute to Equifax with proof that one of the accounts listed on my credit report was not valid. I requested that they remove the account but they did not and only parroted the same response from my last dispute. I do not believe they investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I submitted a inquiry ( and only inquiry ) about COVID relief and specfically asking if there were retroactive option. Here is exactly what I wrote : " Is it possible to apply COVID relief measures retroactively? To apply a measure starting from and ending on an earlier date in order to mitigate recent past issues? '' Nowhere did I request to have my account put into forbearance. BUT, Freedom Mortgage took it upon themselves to do this without my approval/consent/knowledge. I learned yesterdayXX/XX/XXXXby checking the website that I'm under " disaster mitigation '' and " forbearance ''. ( despite setting up autopay, I must check this website almost every day as this website has had a history of issues, another story for another day ). 

To reiterate I NEVER REQUESTED forbearance. Freedom did this without my approval/consent. I sent several internal messages I called today, as was told it would be " removed in 5-7 buisiness days ''. That is not good enough, I'm currently refinancing with another better company and this may cause a hangup, and I don't have faith this will be corrected quickly. 

I never wanted a forbearance, I made a casual inquiry about options. How is this even legal?

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 2020-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery Associates calls me 4-5 times daily, every single time on a different number, so blocking each number is pointless. It's incredibly distracting as I'm on the phone a lot for work and expecting real calls, so it needs to stop. I've already asked them to stop and they simply refuse to handle this by mail as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
After a year of yelling this company my credit card was STOLEN and then sending the account to their atty XXXX XXXX I spoke to supposedly 3 attorneys who stated they never got notice of my 3 affidavits I filled out and sent with police info - I gave up. This account is hurting my score so I was told to pay it off and then my new XXXX company will go after them for not helping when I had everything and evidence that provide my case. Now they are not reporting my payments made or lowered balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MD

Complaint narrative:
After a year of yelling this company my credit card was STOLEN and then sending the account to their atty Rausch Sturm I spoke to supposedly 3 attorneys who stated they never got notice of my 3 affidavits I filled out and sent with police info - I gave up. This account is hurting my score so I was told to pay it off and then my new XXXX company will go after them for not helping when I had everything and evidence that provide my case. Now they are not reporting my payments made or lowered balance.

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 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: KS

Complaint narrative:
I have gotten several Unauthorized charges from XXXX on my cash app card. My card has never been used on XXXX. XXXX refuses to remove them and cash app is ignoring my complaints. Cash app is defrauding people by allowing access to peoples card numbers and not responding to their disputes. This must be stopped XXXX is also defrauding people. If I dont have a XXXX account its obvious I didnt make the charge. They wont let you dispute the charge unless you have an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have made several attempts to address this ongoing problem with the original debtor and the previous collections company. This account was a fraudulently obtained account in my name and although I have attempted several ways to resolve this issue they continue to send collections notices from new collection companies. This is the 4th notice from a second collection company for this same debt incurred as a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation
State: IL

Complaint narrative:
Hello, Nation Wide Credit Co has made a fraudulent credit reporting on my credit report thereby damaging my credit score and access to credit. The accounts that were reported under my name to the credit bureaus do not belong to me. I have NO KNOWLEDGE NOR I HAVE EVER RECEIVED ANY SERVICES mentioned on the debt. I have attached three pictures of the debt accounts. 

These accounts were reported to credit bureaus on XX/XX/XXXX but the company did put negative remarks on my report going as far back as XXXX thereby immensely damaging my credit rating and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Created ( Paypal.Me ) with id -- https : //www.paypal.comXXXX service for easy transfer from Paypal account gave it to my friend to transfer money. He transferred {$17.00} dollars with transaction-id XXXX and also {$20.00} dollars with the transaction id XXXX. I did not receive these two amounts to my account. When checked this paypal.me account is associated with an e-mail from XX/XX/XXXX ( meaning XXXX ) XXXX. Both my friend and I intended to transfer money domestically in USA how did this happen. Paypal has no clue they keep saying no unauthorized transaction. 

When I asked PayPal about these missing payments they have no clue about it. No phone number to call only send the messages. The very slow response I got 3 messages in a week. This is the height of the worst customer service when financial transactions are involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 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 debt collector and credit card account, and credit inquiries listed on my Trans Union, XX/XX/XXXX and XX/XX/XXXXcredit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XX/XX/XXXX, {$300.00}, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to 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 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive tried time and time again to get this removed off my credit it keeps reporting as if the account is still active. It's destroying my credit. Im having serious problems obtaining new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive tried time and time again to get this removed off my credit it keeps reporting as if the account is still active. It's destroying my credit. Im having serious problems obtaining new 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 non-monetary relief
Consumer complaint received 2020-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
This issue is Of my complaint, Is surrounding wellsfargo bank initiating bogus, fabricated investigations Without my consent To do so. 

I want Wells Fargo to cease and assist these fabricated actions on my account! That comprises the security on my account! 

These actions taken by Wells Fargo has compromised the security on my account by Wells Fargo simply dumping confidential account information in the usps mail when I specifically requested all correspondence with confidential account information be delivered via email in my secured online message center inbox with Wells Fargo! ONLY! 

the most recent Fabricated, frivolous event occurred XX/XX/2020 where I received a email from Wells Fargo from XXXX XXXX XXXX?. 

This XXXX didnt even care to give a last name? This further substantiate this is a bogus frivolous action initiated solely by Wells Fargo with out my consent to do so! 

The phone number that was left in my message center email correspondence for XXXX XXXX contact was XXXX The case number listed was XXXX Account ending in XXXX Reasonable accommodation Refused by XXXX XXXX Executive office case specialist from Wells Fargo executive department. 

XXXX XXXX has no concern for my requirements of reasonable accommodations Due to XXXX   XXXX, to communicate via email correspondence to afford me opportunity of effective communication communication. 
Wells Fargo ignores my reasonable accommodation requirements due to my XXXX   XXXX, persistently demands I Quote on quote call, communicate with them via email when XXXX XXXX XXXX and staff at Wells Fargo, are fully aware I have a XXXX XXXX, I Do not have the physical capability to utilize the telephone! 

Wells Fargo has absolutely no value for me as a Loyal customer for the past several years by implementing unnecessary actions on my account that are not consented by me as the account holder,

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 2020-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
In XXXX of 2020 I found a collection on my account from LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES. XXXX XXXX advised me about this, and I paid them to get it verified. They never received anything back, and I just couldn't afford to pay them any longer, so I sent a certified letter to them on XX/XX/2020, which they signed for on XX/XX/XXXX, and I didn't get any response! I pulled a copy of my CR 's from all three bureau 's on the XXXX day, and they had not posted disputed as required by law. I then sent a second letter on XX/XX/XXXX giving them another 15 days to remove it from my report as they had not verified that I owed any debt to a creditor, nor did they show I owed them any money! I again checked my 3 CR 's and still nothing removed or shown as disputed, it was still there and not shown as disputed. I finally received a letter from them on XX/XX/XXXX more then 120 days from the letter from XXXX XXXX, and more then 22 days from the second letter, that stated they were looking into it and would get back to me. I just pulled my 3 CR 's today another 30 days, and again nothing has changed on my report! I have all my signed letter receipts, and I want this removed from my report. I have copies of my dated reports and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I would like your help because I have been dealing with this situation since XXXX and they would always tell me to wait 4 to 6 weeks and I did but when I called back they would tell me to do the exact same thing all over again but nothing would get resolved. They told me that I have continue to make payments but the service was never render so I hope you are able to help me with this situation.

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 2020-10-17 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 debt collector and credit card account, and credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XXXX, {$300.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, Tbom/Cont fin, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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 debt collector and credit card account, and credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XXXX  {$300.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to 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 2020-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AUTOMOTIVE CREDIT CORPORATION
State: CO

Complaint narrative:
XX/XX/XXXX my truck was repossessed due to late payments. I notified the lien holder of my financial hardships due to Covid-19 crisis. 
They would not grant a deferment to help me get the payments caught up. I informed them that I was unemployed and receiving unemployment benefits. In accordance to SB20-211 Limitations on extraordinary collection actions, my rights are protected. 
I was told by the lien holder that they are in compliance and I was lying about the Senate Bill 20-211.

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 2020-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I got a notice from my bank that my credit score is being damaged because of a 'FAIR COLLECTIONS & OUT ' claim for around {$300.00}. 

I have no idea what it is for and think it is some kind of fraud.

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 2020-10-17 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 credit inquiries listed on my Trans Union credit report are fraudulent, unauthorized, not mine and do not belong to me : XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, and XXXX XXXX XXXX XXXX, XX/XX/2020.

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 2020-10-17 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 credit inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized, not mine and do not belong to me : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX   XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX   XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/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 2020-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was vitim of identity theft. my Capital one Credit card was stolen from mail and used at a store during COVID 19 lockdown XXXX XXXX when I found out, I contacted Capital one immediately and disputed the charges. {$3400.00} initially they accepted that but then they rejected since whoever stole my card had the actual card and used it as a chip card. I have a police report aswell, and I was able to identify the fraud people, but Capital one still bills me for the charges.

Company response to consumer: Closed with monetary relief