vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I was trying to purchase two things cats online from a breeder the name of the breeder is XXXX XXXX XXXX XXXX no spaces in between, the name the person gave me to send it to was XXXX XXXX the phone number that was connected to the text was XXXX XXXX I was told located in Arizona the address that I was given so I could send a wire was XXXX XXXX XXXX XXXX XXXX AZ XXXX The bank account wire they wanted me to send the money to was XXXX to XXXX XXXX routing number XXXX account number XXXX I sent through XXXX one amount of XXXX would not let me send anymore so they kept giving me different name and addresses to send it to the next day I said another XXXX they complained that they couldnt get the remaining amount {$250.00} at that time I became suspicious and called my bank and try to get the money back my bank is telling me that they have no fault on their side and wont get my money back question who should I speak to if I cant get help here My phone number is XXXX text me if you like or call me at anytime my email is XXXX Wells Fargo bank XXXX XXXX  XXXX XXXX XXXX, CA XXXX the number they gave me to call is XXXX claim number XXXX And claim number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: TX

Complaint narrative:
Wrong, Fraudulent, Inaccurate information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: TX

Complaint narrative:
Wrong, Fraudulent, Inaccurate information reporting 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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am in the middle of getting a home loan to buy my first house. After getting my three credit reports I see that bankruptcy is on there. I reached out to the bureaus and the bureaus got the information from XXXX XXXX. After speaking with XXXX XXXX my information was combined with someone else. This company continue to say verified as accurate. And thats false

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 2020-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
This is not even the original debt collector, this debt was paid in full with the original collector, this debt was sold without my knownledge. When I saw that this debt was on my credit report, reporting inaccurate I called the company several times to explain that I was no longer responsible for this debt because it was paid, they kept hanging up on me. Please remove this from my credit report, this account was sold from the original collector, after the fact that it was paid, and all equipment returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
I am writing today because I just received a latter from my lender about the covid 19 relief program and after reading it I am furious with the way most lenders are handling this problem!!! We are forced to quit working by our Government stay home and make income but then the banks are going to make people make LARGE BALLOON PAYMENTS at end of their so called relief programs??? HOW IS THAT HELPING???? This is criminal and I can't believe anyone thinks this is helpful!!!! The banks are going to take people 's home 's from them when their own Government was the cause of the financial hardship!! We the American people need help not theft!!

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: TX

Complaint narrative:
I did a background check with Checkr for my job and there was something stating I had an unregistered vehicle charge that was done on XX/XX/XXXX however I did not obtain my license until a few months later in XXXX of that year. During that time, both my parents names were on the title of the vehicle. I switched the title in my name in XXXX or XXXX. Obviously this information is incorrect and needs to be fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am in the middle of getting a home loan to buy my first house. After getting my three credit reports I see that bankruptcy is on there. I reached out to the bureaus and the bureaus got the information from XXXX XXXX. After speaking with XXXX XXXX my information was combined with someone else. This company continue to say verified as accurate. And thats false

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Fraudulent activity has incurred with this acct using my name because lady I spoke with ( XXXX XXXX ) & her supervisor ( XXXX XXXX ), with Sequium Asset Solutions, told me this acct had an email address attached to it ( XXXX XXXX of which I've never opened an email acct by this address in my name, nor have I ever had an account with XXXX XXXX ( the original account holder ). I initially disputed this debt collection through XXXX, in which the negative account was finally removed after filing a fradulant claim & attempting to clear up this account through Sequium Asset Solutions on XX/XX/2020, in addition to filing a dispute with XXXX  & a complaint with the XXXX ( followed up with " several '' moderated interactions between me & Sequium Asset Solutions ). My credit score with XXXX  dipped to XXXX because of this, in which it's now XXXX after negative account was removed. However, it has come to my attention that I now have the same negative account, reported by Sequium Asset Solutions, on my XXXX  & XXXX credit reports, of which neither credit reporting agency has removed this account because Sequium Asset Solutions is refusing to have it removed and is still saying this is my bill, which it is not. Thus, since this negative account has already been removed from XXXX, I'm requesting it be removed from XXXX  & XXXX also. Furthermore, I never received a debt collection notice from Sequium Asset Solutions on this bill, nor have I ever received a bill from XXXX XXXX, and only learned of this debt collection when checking my annual credit. Thank-You ... XXXX INFO ATTACHED TO BILL ( info given to me by Sequium Asset Solutions ) : Address : XXXX XXXX XXXX XXXX 
XXXX, KY XXXX XXXX Acct # : XXXX Amt :  {$680.00} Original Company : XXXX XXXX Collections Agency : Sequium Asset Solutions ( 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 2020-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
Since the COVID19 pandemic, we explored our options with this company to help alleviate the stress of paying our mortgage. My husband applied for a forbearance plan and was approved, according to LoanCare. We have called several times because we keep getting loss mitigation letters in the mail. We have yet to receive anything confirming the plan. They claim that we will get something soon. They seem to be in a rush to damage our credit but not in a rush to send out the forbearance approval letter.

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 2020-04-26 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: NY

Complaint narrative:
103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed Experian Report Number : XXXX XXXX  File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX  XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold a debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. 

also i recently found out i was involved in the data breach with XXXX  in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: CA

Complaint narrative:
Before i called the us bank, i called XXXX, XXXX  XXXX, XXXX and XXXX XXXX  and they were more than happy tto defer payment up to 3 months .I have two U.S. Bank Skypass visa credit cards. On XX/XX/20, XXXX XXXX PST, I called to request for defer a payment due to coronavirus hardship. 
i talked to a CS rep lady and she was very sympathetic but couldn't help me much so i asked to speak to a supervisor. 
A guy name XXXX ( he did not give me any employee # when i asked ) answered. 

I can tell right away by his tone of voice he was annoyed to talk to me. I asked him for defer payment. He flat out said no. I asked why. He said its because its handle by skypass visa, not U.S. Bank. I said but I always pay to U.S. Bank. 
I asked him to push out the minimum payment amount to 1 or 2 months but he said no. It will keep accrued if you don't make a payment. 
Meaning if i don't pay {$100.00}, it will go up to {$20.00} and so on. 
I said but that's not how other banks offered. 
He kept saying about the skypass visa so I need to pay no matter what. 
i said i did not agree anything like that in terms and condition when i first got the cards. 
It was like talking to a brick. No matter what i said he didn't want to hear me and work with me. Either he wins collecting the money or he loose. 
I was never late or delinquent for 7 years until coronavirus pandamic. 
Why is he being such a jerk in this crazy pandamic time? 
Funny thing is one of my cards got deferred automatically. But not the other one. 
So its not actually up to skypass visa but its up to u.s. bank. 
And please show me the terms and conditions that i agreed on accrued defer payments.

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 2020-04-26 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: CA

Complaint narrative:
ACCOUNTS WAS OPEN IN MY NAME I NEVER THIS COULD HAPPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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:
ACCOUNTS WAS OPEN IN MY NAME I NEVER THIS COULD HAPPEN

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 2020-04-26 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have been trying to remove a Fraudulent Credit Card Account from my credit report since I discovered it in XXXX of 2018. It was used without my knowledge or authorization I filed a police report as well as an identity theft report with the FTC. I have provided both these documents to the credit bureau and to Chase despite my following through with all the guidelines set forth by the FCRA Chase has continued to report this account incorrectly on my credit report. It is illegal to continue reporting an identity theft account to the bureaus as standard account. Chase refuses to accept my police reports and FTC information and continues to illegally report the account. 
This card did not show up on my original credit report so I did not know it was being accessed. When chase first contacted me I thought they were contacting me about another card. Their representative literally tried to trick me into accepting responsibility for the account that was not mine. Then called me a liar, and tried to manipulate me into saying things that were not true. I am not responsible for the charges on this account and Chase refuses to admit that. As a result, i have suffered significant financial losses, from higher interest rates, failure to qualify for loans, and a multitude of other things all because a representative at chase decided she wanted to manipulate what I was saying to make up a story that was not true. It was highly unethical, a business should never call their customer and try to manipulate them into saying something so the bank is in a better position to sue them. I am not responsible for this debt so chase has collections officers call over and over and ask different questions trying to manipulate me into saying something they think makes me responsible for the debt. 
Despite what stories they want to make up I am not responsible for these charges. I would really like them to stop reporting inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NY

Complaint narrative:
103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed XXXX  Report Number : XXXX Transunion File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold a debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. 

also i recently found out i was involved in the data breach with XXXX in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called the customer service number on my credit card and asked them to cancel my credit card. They said system is unable to do so and they refused to cancel the card. Instead, representative hung up 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 2020-04-26 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: NY

Complaint narrative:
103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed XXXX  Report Number : XXXX XXXX  File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold XXXX debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. also i recently found out i was involved in the data breach with Equifax in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On the day of the incident. I was alerted by XXXX via email that a purchase of {$3700.00}, XXXX XXXX  dollars was posted to my account. By this time the email was too late because the criminal had already taken the money by the time I noticed. 
I've promptly tried to contact immediately XXXX but they were only email-based and had them close/lock the account. At the same moment, I have phoned the committed fraud to Bank of America, where my money resides, to open a claim. Stating that I didn't authorize this transaction and had no idea it had happened until the email from XXXX was received while I was out for dinner that day. Afterward, I tried to file a phone police report to the county but was asked for a document from Bank of America to be sent over, saying something along the lines of there was a fraud committed and so forth, I mentioned the claim is was freshly opened and has not resolved, so I was turned away at that time. Fast forward to XX/XX/2020 the case opened by Bank of America was closed and was not in my favor which makes no sense whatsoever, because I wouldn't empty out my bank account in one day especially when the the account in question is used for mainly for bills and mortgage. The reason for the case being closed was because I used the site before, but even then I have never even made large purchases such as this. So now I'm just dumbfounded and XXXX. I called back to Bank of America and was put on hold for hours due to COVID submitted the police report again to reopen the case and it has been over 30 days since I did that with no word from Bank of America and they said over the phone they received the police report etc. So now here I am filing this complaint.

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