vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I spoke with my XXXX XXXX account rep, and was asked several security questions to confirm my identity. The questions were about a car loan and a student loan that were opened this year. I have not opened any loans. I am actually living in XXXX for the last 5 years, my company XXXX, transferred me to their XXXX XXXX office. 

The XXXX XXXX rep told me to get a copy of my credit report, so that I could answer the questions. When I tried freecreditreport.com, neither Experian, XXXX, nor XXXX were able to give me the report. I have screen grabs of what the messages were and can attach. 

I tried calling all three agencies, but could not get past the phone menus to speak with a person for support. I called the Consumer Financial Protection Bureau at XXXX and they recommended that I file this complaint. 

I have a grave concern that my identify has been stolen.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
account information is not showing up on credit reporting

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
account information is not showing up on credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have written to Victoria 's Secret on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding late payment that being reported to credit bureau. Victoria 's Secret is reporting to XXXX  that I paid a payment late XXXX  XXXX  30 days late but is reporting with XXXX that it was paid on time. They are also reporting to XXXX  that I was late in XX/XX/XXXX but XXXX  that the account was paid on time in XXXX. This information is not true the account was paid on time. The company is reporting incorrect information on my account. I have multiple account numbers but only had on account with this company. This company is reporting Account number XXXX with XXXX, Account number XXXX with XXXX  and Account number XXXX with XXXX. Then another Account number XXXX with XXXX, Account number XXXX with XXXX. This company would deleted then re add accounts to my credit report and this has been happening for the last 4-5 months. This company is reporting inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I spoke with my XXXX XXXX account rep, and was asked several security questions to confirm my identity. The questions were about a car loan and a student loan that were opened this year. I have not opened any loans. I am actually living in XXXX for the last 5 years, my company XXXX, transferred me to their XXXX XXXX office. 

The XXXX XXXX rep told me to get a copy of my credit report, so that I could answer the questions. When I tried XXXX, neither XXXX, Transunion, nor XXXX  were able to give me the report. I have screen grabs of what the messages were and can attach. 

I tried calling all three agencies, but could not get past the phone menus to speak with a person for support. I called the Consumer Financial Protection Bureau at XXXX and they recommended that I file this complaint. 

I have a grave concern that my identify has been stolen.

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 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
i bought this car on XX/XX/XXXX I thought I have a fixed rate but it keeps rising and it doesn't show what the rate is on the statement if it has changed or not .on my XX/XX/XXXX statement my due date is XX/XX/XXXX 2 months later. so hold my principal until the due date charging me more interest. even when I make the payments early I'm 2 months early. but still, have XXXX dollars in extra interest fees with misleading and changing information for regional acceptance corporation. I made payments of XXXX on XXXX and XXXX XXXX but my payment credit date shows XX/XX/XXXX charging me XXXX in interest. does not show a breakdown of payments and is misleading at best

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020 : Made many unsuccessful attempts to get my credit report on line from Equifax, both at XXXX and at XXXX. I could not obtain my report, and received messages " Try again later '' or this error : XXXX XXXX XXXX XXXX XXXX I also made many calls to their phone number for help, and their customer service representatives insisted they were not having any trouble. 

All total, I probably spent two hours in unsuccessful attempts to get my report. 

Curiously, however, I was directed to another area of their website which would enable me to get a free credit report ONLY if I agreed to be marketed, and to allow them to pass on my personal contact information for that purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: NY

Complaint narrative:
Cybrcollect is showing up on my credit report stating I owe {$420.00} and {$120.00} for XXXX. I have never heard of this. I have also never received anything in the mail. I would assume the company would mail me something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: AL

Complaint narrative:
US DEPARTMENT OF EDUCATION SHOWS A BALANCE AND IT IS A POSITIVE PAID IN FULL ACCOUNT

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 2020-11-18 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: AL

Complaint narrative:
US DEPARTMENT OF EDUCATION SHOWS A BALANCE AND IT IS A POSITIVE PAID IN FULL ACCOUNT

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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This morning, I saw on my debit card transaction history that a company called XXXX XXXX had used my debit card for {$510.00}. 
I contacted my bank and notified them that there has been a fraudulent charge and that my debit card is compromised. 
They said they will issue a new debit card and start a dispute for the fraudulent charge and an investigation will take place and could go on for up to 10 days. I explained that I needed this money to pay for my car payment and other bills and that {$500.00} is a lot of money. And they just apologized and said that this was all that they can do. How is it that I lost {$510.00} from no fault of my own and there isnt a guarantee that I will get my money back?

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 2020-11-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: IN

Complaint narrative:
I received a card in the mail from US Bank ReliaCard. I did not request this card and have not been unemployed. I am a retired senior citizen. This is clearly identity theft and fraud. I tried to call US Bank to shut the card down. Their phone tree does not offer any options for this situation. There are many articles on the internet about this scam. There appears to be no way to shut this fraudulent card down. I need help to get to the right department to stop this 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 non-monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Profolio recovery calls me everyday I have informed to stop calling me and I am on the no call registry. I informed them it is harassment. They call from multiple numbers. Last one was : XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CONTOUR MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XXXX I received a call from the sales manager / loan originator named XXXX XXXX XXXX NMLS ID # XXXX ) from Contour Mortgage. I have never spoke to him before and this was the first time this person reached out to me. He started YELLING at me on the phone and bullying me saying that I'm " already getting an unheard of rates '' and that " I don't want to deal with your files anymore, they have been on my desk for over a month '' - all because I said that I don't want to pay for a lock extension that was due to the lender lagging on their end. He then told me that I can walk away and not close my loan ( I already spent money ( {$1700.00} ) on three appraisals for three concurrent transactions ). Very rude and unprofessional individual that should never be put in a position of power and speak this way to any client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/2020 I applied for a loan with TD Auto Finance to purchase a used XXXX, I was approved for the loan which should have been the end of it there. But then on XX/XX/2020 another hard pull was added to my credit report. I proceeded to email the loan officer on XX/XX/2020, about the second hard pull and that I wanted it removed. I never received any response back from the loan officer I had contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: AL

Complaint narrative:
US DEPARTMENT OF EDUCATION SHOWS A BALANCE AND IT IS A POSITIVE PAID IN FULL ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I bank at two national banks, XXXX XXXX XXXX and TD Bank. On XXXX XXXX, 2020 I initiated a funds transfer from my XX/XX/XXXX checking account to my TD savings account using the Bill Pay platform from XXXX. The amount I tried to transfer was {$200.00}. As of today XXXX XXXX XXXX, XX/XX/XXXX ), the funds have not been deposited into my savings account and TD has no record of this transaction. Although previous transfers using the Bill Pay apparatus has been successful, both banks deny responsibility for the disappearance of these funds. I have attached three proofs of payment from XXXX and two confirmations of deposits form my TD savings account. After hours of being placed on hold only to either be disconnected or shuffled among countless departments no one had answers. Finally, XXXX 's Online Bill Pay Claims Rep told me it may very well mean that the funds won't be recovered and I will lose the {$200.00}. They have done all they are going to do at this time. 
I find this unacceptable and fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18 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: Manhattan Beach Venture, LLC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX has refused to furnish the documents I need the loan servicer to provide me with the signatures that are proving to me that I signed each loan. I don't want a photo copy of any other document other than the actual signatures signed by me for each loan amount for each check they cashed by the school. I want to see now the proof that I signed for each amount and I want proof that I was advised these amounts were being used for the school. I want a full ledger of the account and a copy all disbursements that were physically cashed by me. I want all the records this sent to my current address. from all dates that I was ever enrolled with XX/XX/XXXX XXXX XXXX. I want these records and if all these records can not be provided I demand relief and removal from my credit report, reporting to the credit bureaus must cease. And if University

Company response to consumer: Untimely response
Consumer complaint received 2020-11-18 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:
Date opened XX/XX/2010 XXXX Credit limit This account was not me so can you please remove this from my credit report 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 2020-11-18 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Prior to opting to put my loan in forbearance, I contacted Wells Fargo to verify that the payments would, in fact, simply be added to the end of my loan and that I would NOT have the deferred amount called due all at once. 

On XX/XX/XXXX I received an email from a " Home Preservation Specialist '' at Wells Fargo that they were " reviewing my documents '' I had not submitted any documents and contacted Wells Fargo by phone to determine what the email was about ( this person did not respond to voicemails or email so I contacted the next available representative, I was told I needed to talk with Ms. XXXX directly ). I emailed her on XX/XX/XXXX stating that I was trying to pay the mortgage payment and bring the loan out of forbearance but that I wanted to make sure I was going about it the right way. 

On XX/XX/XXXX I was able to get the situation escalated to the executive mortgage department and was assigned a case number, I did receive some follow up through the process notifying me that there would be some delays. In the meantime I was receiving packages appearing to need to qualify for the forbearance I had already been given. 

I have now received a letter dated XX/XX/XXXX that states that I was, in fact, given incorrect information by the Wells Fargo representative I spoke to on XX/XX/XXXX but that as the servicer, there is nothing Wells Fargo can do and instructing me to apply through them for approval for a loan modification or bring the total amount of {$12000.00} in to bring the account current. 

I would not have elected to go into forbearance had I not been given misinformation, and will also not likely qualify for the adjustment as my XXXX tax returns will not show impact from the pandemic and that is what would be used to " qualify '' for the modification. I was also not informed in any way that by going in to forbearance I would eliminate my ability to refinance my mortgage, which I now know I can not do due to " payments not being made on time for 12 consecutive 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 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
FRANKLIN COLLECTION SV is trying to collect a debt that was the result of Identity Theft. I've sent a letter to them and have yet to hear back from them concerning this debt that is not mine. I am asking for your help to resolve this matter so that I can continue with my credit not being effected by this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stokes & Wolf, P.C.
State: CO

Complaint narrative:
In XXXX I was served for collection on a repossession. The debt was charged-off and sold to XXXX, XXXX. I went to court, and worked out a payment arrangement with the creditor 's attorney ( Stokes & Wolf , P.C . ), so a judgement wasn't granted or entered in the court. I was paying on the payment plan for several months until I defaulted in XX/XX/XXXX. 

The creditor 's attorney sent me a letter, appearing as if it was responding to a judgement. The letter is on the county court format, and states " Notice to Judgement Debtor Pursuant To Section 24-33.5-704.3, C.R.S. '' The form is dated XX/XX/XXXX, but it states " This form is applicable until XX/XX/XXXX, unless extended by the Administrator to a date not later than XXXX, XXXX, XXXX '' I feel like the creditor is trying to intimidate me, or scare me into thinking that a judgment has been issued, but I contacted the county court and they have no record of the case number. Additionally, I did a statewide public record search, and checked my credit reports, and there aren't any judgements in my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation