vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. On XXXX XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX XXXX On XXXX XX/XX/2019, WELLS FARGO XXXX XXXX add a hard inquiry on my credit report per XXXX . The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-01 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. On XX/XX/2019, SANTANDER XXXX  add a hard inquiry on my credit report per XXXX  . On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  . The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TN

Complaint narrative:
I had a Citi credit card affiliated with Costco. I opened a credit account to get a promotional 3yr warranty on an XXXX product. When the card arrived it was a duel Costco membership/citi card, I never actually activated the citi card aspect of the card. This was due to previous issues I had with Citi bank. I closed the card over a year ago when Costco used the account without my permission to renew my Costco Membership. Because it is also my Costco membership card I have been using it to get into the warehouse, to get scanned for my membership and to get access the gas pumps.The gas pumps have a new bump feature that I was not familiar with and when I out the membership/citi card next to it, the card was declined as the citi account is not active. I had to insert the card and wait for a prompt to insert a card I could use for payment. A week or two later I went to a Costco store to return approx XXXX dollars worth of products ( The correct amount should be on file with Citi XXXX, the gentleman doing the return did not ask which card I used and just bumped the XXXX XXXX/citi card against a bump pad he had, the return was accepted and applied to the CLOSED account!! The store was not able to retrieve the money and had to call Citi bank, who in turn requested to speak with me. I do not have an account with Citi so I did not understand this request. Then they proceeded to ask me for a password associated with the account .... I told them I do NOT have an account with you ... how can I give you a password? I was told by both parties that a check would be sent in 36-48 hrs. It has been 5 days and I still have yet to receive a check for the stolen funds. Costco, however, has retained the products I was trying to return while reporting to me this happens all the time ... This should not be happening 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 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: VA

Complaint narrative:
I have initiated an international transfer in the amount of USDXXXX using Transferwise on XX/XX/XXXX. Transfer got rejected on the recipient side, but Transferwise shows transfer completed on XX/XX/XXXX. After questioning them about the issue they said transfer its probably stuck with an intermediary bank and theres nothing they can do for me and that I have to wait. Ive been emailing them regulalry and always receiving the same answer that I have to wait. After almost 4 months of waiting they finally advised me today XX/XX/XXXX to file a complaint with CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Hi Im XXXX  receiving the social security they take too much money very high interest I wasnt expecting Im single mom of XXXX kids I cant pay much anymore Im very overwhelming for me Im alone only receiving my XXXX ssi I pay my van payment and I have my health issues too please help me its very overwhelming fir me being alone please text XXXX Im XXXX  I cant XXXX  or XXXX  or email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It as been well over 30 Days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
my name is XXXX XXXX I used cashapp as a cash transaction to another consumer. This guy was advertising a laptop on the website XXXX and only asked that I pay for shipping because he had purchased a better one and just wanted to help someone less fortunate. He sais he just wanted me to write a small paragraph about whay I needed the laptop, He then asked me to send him XXXX dollars but not through XXXX  because he wanted to send it through another mailing service so I could get it quicker, He then asked me to text him my address so I gave him my pobox and he sent him the transaction. Right after that he told me it was a problem with the transaction. He then said he received it and would text me back when he ships the package. I then tried to call but no answer. Then I requested a refund through cashapp and he denied it an blocked me for requesting another refund. I then contacted cashapp but they said it was nothing they could do. I went back and forth with them for a couple days before opening up a claim with the XXXX. they gave the XXXX  the same answer that it was nothing they could do. I didn't accept this and asked the XXXX  to pursue further. This went on for weeks and finally the XXXX  closed my case and said if want to continue to try and get better results and my refund I should contact this company. Its not just about the money more than the principle that cash app doesn't have a better system to protect consumers from fraud and their not held responsible to get their consumers refund back. this is thenumber he gave me XXXX XXXX XXXX his cash app is XXXX XXXX. I also have text messages if you need them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
My wife was trapped overseas and I was getting paid less and I had trouble making payments. In XXXX I set up a forbearance plan and I called to double check if they would just just add the payments onto the end of my mortgage they guy I spoke to said yes no problem. When I called after the 6 months the lady I spoke to said I dont qualify and I would have to pay all 6 months or take another forbearance plan to catch up. 

So now Im on another plan and its very hard to make 2 mortgage payments as Im getting paid less and my wife does not have steady income.

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 2020-12-01 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: GA

Complaint narrative:
Identity Theft Affidavit and Police report were submitted on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-12-01 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: NY

Complaint narrative:
Bankruptcy in XXXX. Since then I have rebuilt my credit to good status with XXXX and XXXX. Experian however keeps dropping their score because I refuse to buy their products. They have my points and fica much lower then the other 2 credit bureaus. Before I lost my job in XXXX I had XXXX score. Since then I have never missed or made a late payment and have paid everything in full yet Experian keeps dropping points but yet manages to offer me more credit card suggestions. Predators!

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 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed, I've filed this many times but nothing has changed on my report. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: LA

Complaint narrative:
On XX/XX/2020 I file documentation for those inaccurate and unknown accounts that I found on my credit report. It's over 30 Days today I haven't received any response. I was a victim of Equifax Data Breach. I want all the account will removed ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
I am currently in the process of a refinance. 
My attorney 's office has tried multiple times to contact my Mortgage servicer for the pay off amount and has not heard back. 
They are not being responsive and therefore holding up the process. 

From my attorney 's office : " Ive faxed and called twice and was told I would have it last week. I attempted to call yesterday, again, but was on hold for quite sometime and had to hang up ''

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-01 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: LA

Complaint narrative:
On XX/XX/2020 I file documentation for those inaccurate and unknown accounts that I found on my credit report. It's over 30 Days today I haven't received any response. I was a victim of XXXX Data Breach. I want all the account will removed ASAP or I will file a litigation.

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 2020-12-01 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: LA

Complaint narrative:
On XX/XX/2020 I file documentation for those inaccurate and unknown accounts that I found on my credit report. It's over 30 Days today I haven't received any response. I was a victim of XXXX Data Breach. I want all the account will removed ASAP or I will file a litigation.

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 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc.
State: GA

Complaint narrative:
Dyck O'Neal is a debt collection for XXXX XXXX. Dyck O'Neal is reporting eight times on my XXXX when there is only four accounts. They are also reporting different amounts on my XXXX it says I owe {$0.00} and its not in a collection status when it states that it is. They made XXXX score drop significantly by reporting double four in collection four with regular accounts that are not in collection showing eight open accounts. This company is presenting fraudulent activity. The original company was paid off. I do not owe Dyck O'Neal. They need to be removed from my credit report due to fraudulent and inaccurate activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, two fraudulent credit card charges posted to my Bank of America account. 1 was {$790.00} and another was {$550.00}. Both were in-person transactions according to the bank. 

I had the card in my possession and it was with me at home on both of those days. I called to file a credit card fraud claim, but about two weeks later it was rejected on the grounds that the chip was used in the transactions. I also noticed that BoA erroneously included a third, completely valid transaction from before XXXX ( why? mistake? ), which I suspect led to my claim being denied. I appealed the decision, and furthermore filed a police report with XXXX XXXX police department as they requested, to work with them in good faith, and sent them a copy of the report. 

After roughly a month of no communication, and no indication that they even processed my appeal, I called them back. They put me on hold for over half an hour and maliciously redirected me in and out of the fraud claims department and refused to tell me information about my claim status. I believe they have no intention of working in good faith with me regarding the claim.

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
Consumer complaint received 2020-12-01 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: GA

Complaint narrative:
Identity Theft Affidavit and Police report were submitted on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-12-01 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: GA

Complaint narrative:
Identity Theft Affidavit and Police report were submitted on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 my Bank of America credit card was charged USD XXXX to make a XXXX purchase in XXXX XXXX. Two days ago I noticed this transsaction so I immediately called the bank cause I did not recognized it. I opened a fraud dispute and the card was cancelled and they issed a temporary credit for this amount. However on XX/XX/2020 I received a letter from Bank of America ( attached ) saying they would charge the money back cause they could find out ( they dont say how ) I used the card and the pin was entered ( which is a lie cause credit cards do not require pin ) so that they would close the case. I reopened it on XX/XX/2020 and a few days ago I received a letter from Bofa saying they still considered I did the purchase. They do not explain which XXXX was it, because there are a lot on XXXX XXXX, how they can prove I did it, or any additional details I would at at least like to know. I have been their customer for more than two years I always pay on time, I dont see the point I would be making out this story and not paying for something I used. But in this case I feel totally helpless, I did not purchase anything for that amount in XXXX cause I not even live in XXXX XXXX, and my purchase history can tell it. I feel disrespected cause they not even took the time to check with XXXX they just say your card was used I say probably it was so but it wasnt me or anyone I have authorized. I also mentioned before a few days ago I have given my card info by phone to a clinic so may be thats how they got my card info.

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 2020-12-01 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: CA

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE

Company response to consumer: Closed with explanation