vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
Dear Sir or Madam : XXXX dba XXXX XXXX XXXX/XXXX XXXX/XXXX are attempting to extort money from Identity theft and asking for more personal information to collect a DEBT that is NOT MINE. I disputed with XXXX once, I started receiving letters that I was in college for years during this claimed {$4300.00} ( debt # XXXX ) but also working in a different state. I Never Opened or Paid an Account pertaining to XXXX XXXX. I was a busy STUDENT and working in XXXX, NH and upon graduating moved to another City. This is preposterous, as I had excellent credit and have now disputed and put a fraud alert on all of my CREDIT files during this challenging time. XXXX is constantly sending threatening letters to a previous business address for some account # endingXXXX I've never had. These people sent a listing of payments that did not come from ME and are constantly harassing, bullying me on a Fraud account. HUNT & HenriquesXXXX XXXX XXXX XXXX XXXX are sending packets to obtain {$4300.00} that IS NOT MY DEBT. I PAY BY CREDIT DEBT and THIS IS NOT IT. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendUp Loans LLC
State: LA

Complaint narrative:
I began borrowing funds via payday loans from Flurish dba Lendup in XX/XX/XXXX. I made my payments on time and if I needed an extension I would request them. I accrued ladder points that would position me to borrow more funds at a lower APR. I began borrowing when LendUp was in its beginning stages and the ladder points system in Louisiana was incomplete. I borrowed so much that I made it to top tier really quickly and was not receiving the proper discounts/APR rates. Over time, I kept track of my payments and the high interest I was being charged despite what the company advertised and what I was told. I would file formal complaints and I would receive refunds. In XXXX -XX/XX/XXXX, I experienced financial hardship due to the government shut down. I reached out to LendUp to request a payment plan. I also inquired about the wrong interest rates and stated that I was being charged the wrong amount considering my ladder points. This is not the first time this happened. I spoke with a male rep who called regarding my overdue payment and he agreed to waive the balance if I made two payments. This is why I refuse to remit the payment they are stating I owe. I do not owe them anything. My account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
In regards to my Mortgage I have been was under a forbearance because of the hardship due to the Covid Virus since XX/XX/XXXX with a company called Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO. XXXX. 
In Late XXXX I filled out all documents requested by Specialized Loan Servicing for Loan Modification. In early XXXX this company confirmed receiving all my paperwork. Then while I have been under the Forbearance this company has reported negative credit information on my wife 's Credit and my credit the amount that is owed and protected under the forbearance. They have refused to correct this and because of their reporting of this negative credit Specialized Loan Servicing has destroyed our credit. Before this negative credit reporting our credit was XXXX and above. 

The loan Modification that I applied for in late XXXX has now been in process for over three. I call three time a week I spoke to a manager XXXX XXXX number XXXX that has been assigned to my account once XX/XX/XXXX stating he was taking care of everything he made call appointments with me for several days and has since never called me back. I called and requested a supervisor call me back no return calls. When I call the recording outgoing message for my account tells me I have been approved when I ask what the delay is I'm told that they are awaiting signature from investor. I have been told this now for months now. I fear when my forbearance is over XX/XX/XXXX and when the protection is over they plan to a foreclosure. No one can give me a reason why would they allow an investor to take three months plus to sign and review the documents for my Loan Modification. I have contacted them three times a week and been told over and over again they awaiting Investor review but the people I speak to tell me that this isn't right and my account for the Loan Modification she be taken care of but I just get talk and no action no returned calls. 
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 2020-12-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
For the past couple months I been very overwhelmed with this situation. The credit bureaus have been ignoring my right. This company is reporting inaccurate misleading information I have spoke to the creditor and verify the information. I have spoken to the credit bureaus and they keep takings me in loop around with no answer or any verified information. Im have stayed up countless our and spend over 100 hours trying to figure out this situation. The credit bureaus have not been taking any action to resolve this dispute but sent me to there E Oscar system. This action is really hurting my ability to get credit. This mistake can cost me a few thousand of dollars Over my lifetime. Plz help me solve 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 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
To who 'm it may concern, Hello my name is XXXX XXXX. I was a victim of a scam/phishing scam with my U.S Bank account which severely impacted my funds! I have had near {$4500.00} stolen from me via XXXX payments made through my U.S Banking app which I never authorized. I noticed this issue when I deposited money to my account, went to pay my credit card & my card was denied due to lack of funds! At this point I had a bad feeling so I checked my account and noticed my funds were missing. Ok no problem, I've had unusual charges before with XXXX so I call in to U.S Bank & speak with a very nice lady she helps me make claims & re-assures me my money will be returned to me once they investigate. I call back after 10 days of this claim and ask whats going on with it as this is a lot of money, then im informed my case is closed and I lose? how is this a thing. NOBODY from u.s bank contacted me asking me more of the story, nobody allowed me anywhere to fax/email my police report, A screenshot of the phishing email, or anything else to help me with my dispute I have a gut feeling they simply just denied it for the sake of it. I have not had contact with any of the bankers from this bank for anything with my vase and when the guy stated on the phone my case is closed I asked him to please re-open it and give me a designated FAX # Or email address to fwd the email in which I was phished in and also to submit my police report. The gentlemen on the phone responded to those questions I asked stating the following " sorry sir we don't have anywhere you can send these documents to ''. How is this possible? my money was stolen and they aren't even putting a effort forth to help me. Not really sure what else to do no lawyer wants to handle this and U.S bank is refusing any documentation and re looking into this! Thanks claim # XXXX U.S. Bank fraud department # - XXXX attached is the email in which my info was stolen as I researched online I came to found this was the email that stole my info from scammers pretending to be the bank

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 2020-12-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
For the past couple months I been very overwhelmed with this situation. The credit bureaus have been ignoring my right. This company is reporting inaccurate misleading information I have spoke to the creditor and verify the information. I have spoken to the credit bureaus and they keep takings me in loop around with no answer or any verified information. Im have stayed up countless our and spend over 100 hours trying to figure out this situation. The credit bureaus have not been taking any action to resolve this dispute but sent me to there E Oscar system. This action is really hurting my ability to get credit. This mistake can cost me a few thousand of dollars Over my lifetime. Plz help me solve 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 2020-12-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
For the past couple months I been very overwhelmed with this situation. The credit bureaus have been ignoring my right. This company is reporting inaccurate misleading information I have spoke to the creditor and verify the information. I have spoken to the credit bureaus and they keep takings me in loop around with no answer or any verified information. Im have stayed up countless our and spend over 100 hours trying to figure out this situation. The credit bureaus have not been taking any action to resolve this dispute but sent me to there E Oscar system. This action is really hurting my ability to get credit. This mistake can cost me a few thousand of dollars Over my lifetime. Plz help me solve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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 {$10000.00}. 
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. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -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 2020-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
This company has reported the wrong social security on my file so it was not updating asked them to closed account & remove from my credit report. File was open in XXXX of 2020 for the amount of {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Transferred money from my XXXX XXXX account to my Wells Fargo account via XXXX XXXX. XXXX XXXX has given me receipt numbers from Wells Fargo that they have the money since XXXX XXXX. Wells Fargo however says they dont recognise these numbers and the money is with XXXX XXXX. 

The numbers XXXX XXXX claims Wells Fargo gave them for the XXXX transactions are XXXX and XXXX. 

I am stuck between these XXXX where they both are not sorting out my problem and the only thing they say is the other has the money and i should contact them.

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 2020-12-14 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
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. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -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 2020-12-14 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
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. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good Evening, Money was stolen from my Bank of America EDD card. The money was stolen from a ATM machine in a different city then where I live. There was many attempts to with draw money that I did not authorize and notified that as well to Bank of America. Someone must had a copy of my card to steal the money. I contacted Bank of America and they refunded the money. Then they took it back XXXX months later claiming I was reasonable. They locked my account and I had to manually reopen the account. After many days of waiting on hold countless hours waiting for a representative, I requested video footage of the transactions in question that were made and they stated they will send the video to a local bank for me to look at. They never sent that video and I called XXXX times to make a claim and the claim was closed every time without an investigation. I may want to purse legal matters against bank of America for this. I was without my entitled funds because my account was locked. the total amount stolen was {$1000.00}. I was put in a bad situation that was not my fault and I had no access to medications, food, gas, and basic necessities to live. I have chronic medical conditions which require me to visit the doctor and get medications and be evaluated but was not able to do so because of this.

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 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I disputed the account and requested debt validation and verification of all reporting details on my credit report. The company did not provide the appropriate documents to validate this debt or verify the reporting details such at the original agreement with my signature, the agreement between this company and the original creditor that shows this company has any legal right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I took a loan from this company a couple of years ago. 

Since XXXX, 2020, I have done everything I could possible do to pay off balance on this account and close out my account with this company. 

But they have continue to use clearly fraudulent and unethical business practices to waste my time and destroy my credit, just for a few dollars. 

In XXXX, 2020, I went into my account, paid off the stated account balance of {$74.00} so I dont have to deal with this company anymore. 

The following month, I realized they had posted on my credit bureaus that I still owe about {$18.00} ( after I had paid of the " pay off balance '' they had on my account ) .. 

I check my online account, and saw the {$18.00}, once again showing as my final balance. Just for peace to prevail, I went in and paid off that {$18.00} balance. 

Right now, as at XXXX, they have recorded {$1.00} on my account balance as remaining balance. And still reporting to my credit that I havent made payment since XXXX. 

This is so unethical. They are destroying my credit and frustrating my life. They still keep sending me offers to get another loan with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed XXXX XXXX XXXX on my XX/XX/XXXX/transunion/XX/XX/XXXXreport a few times now. They are reporting different things to each Credit bureau which is a discrepancy. I have provided proof of this and I have XX/XX/XXXX/transunion/XX/XX/XXXXto show proof of their investigation, not just the word of XXXX XXXX XXXX and I havent heard nothing back and when I do hear it something its oh its been verified which isnt possible since its reporting different dates and numbers.

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have informed Experian on several occasions ( at least 5 times ) and the other major bureaus that they have the wrong information with regards to my name, address and telephone number.

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