vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 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: TX

Complaint narrative:
I'm assuming that you either didnt receive my letter I mailed on XXXX or your just ignoring me, because I clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, your website states to dispute by mail. At this point, I really need to see something that proves there was independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items that are inaccurate deleted since you are in violation with it being over 60 days with no response. My information was impacted by data breach so it is possible my information landed in the wrong hands.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have had an account with Barclays XXXX XXXX XXXX Mastercard since XX/XX/XXXX. This year I moved and tried to update all of my accounts, but there have been many issues with the post office and delayed mail. My card was to expire in XX/XX/XXXX and I waited to receive a new one in the mail. On XX/XX/XXXX I received a notification from my credit monitoring report that my account had been closed without notice. 

I called the Mastercard number at XXXXXXXX XXXX on XX/XX/XXXX and asked the representative to reinstate the account because it was a mistake and I was waiting on the new card to use it. She told me that she would open a case and have an account manager review it and get back to me within 7 business days. I confirmed my email, address, and phone number with her so they could get back to me immediately. She told me I did not need a case number and someone would be in contact with me again soon. 

On XX/XX/XXXX at XXXXXXXX XXXX. I called the line again because I had not heard back on my case. The representative tole me that there was no case and that they would not reinstate the account. I asked to speak to a manager who told me the account notes showed that I had called but the representative failed to open a case on my behalf. She refused to reinstate the account despite the company not providing any notice to me that they would close the account. The account supervisor 's name was XXXX ( operator ID XXXX ) but she refused to give me the name and ID of the representative who helped me earlier or the week before. Despite engaging in unfair and deceptive acts to offer to help me reinstate the account or even look into it and then never taking the promised actions. 

I still have not received any notification on their behalf to close the account or the replacement card that should have come when my last one expired, despite having the app on my phone with push notifications enabled, an active email address with electronic notifications enabled, and regularly check my mail. I currently have XXXX rewards points on the account that the company refuses to honor and they failed to provide adequate notification of their intent to close 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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Received a letter from my mortgage servicer Fay Servicing stating the forbearance I requested was granted and additional information is needed to process my mortgage assistance request. I received a call from Fay Servicing XX/XX/2020 stating there was a property foreclosure sale set for my home XXXX, how could that happen when Fay servicing stated I'm in a forbearance. I have not received correspondence from Fay Servicing or XXXX XXXX XXXX XXXX XXXX the foreclosure attorney stating there is a foreclosure sale for my home. Tennessee Code Annotated states the home owner is to receive 30 notice prior to the foreclosure sale

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I pulled my credit to discover a debt that doesn't belong to me. It is from XXXX and account # XXXX, XXXX account number XXXX and lastly XXXX/XXXX  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 2020-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Owners fell behind in mortgage payment. Lender offer to put late payment at the end of the loan to bring mortgage current. Lender then sent the attached Partial Claim Mortgage for signatures to a first time home buyer and his senior grandmother. They did not understand what they were signing but was told to sign or lose their house to foreclosure. So they signed it. The problem was they were only behind {$13.00} and they made them sign for {$55.00} and did not give them the difference in the equity they pulled out. They kept the money then and again when the house sold they paid themselves off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax signed me up for recurring payments and does not allow me to cancel the membership. There is no online support or online option to cancel, and calling their phone number is pointless - you get no response. 
Today XX/XX/30 is another billing date and I just want the recurring charges to STOP NOW. 
They are asking absolutely ridiculous vague security questions such as did you ever have a department credit card ( I have XXXX, XXXX XXXX, XXXX  etc.. ) and what the monthly charges were.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
was contacted by letter in the mail on XX/XX/XXXX, the letter was dated XX/XX/XXXX. This letter is from a company called Jefferson Capital located out of XXXX XXXX, MN. This company seems to be a collection agency and they are trying to collect funds from a company called XXXX XXXX. They say I owe a debt of $ XXXX.And this was created in XX/XX/XXXX. I have never had a XXXX account and when I notified the company the first time they wanted me to verify my social security number I would not give it to them and the rep on the other line got very hostile with me. I informed them that they could discuss this debt with my attorney and that I have never had a XXXX account. I am XXXX years old and I use a bank not XXXX to pay my debts. The young lad I spoke with was very rude so I ended the conversation with her. The date I contacted them was XX/XX/XXXX upon receiving the letter about XXXX in the afternoon CST. I decided to call back on XX/XX/XXXX, and I received assistance from this young man, I told him that I did not feel comfortable giving my information such as my social security number and he told me that was fine, he then began to tell me about the debt so I asked him if he had an email connected to this debt since it was a XXXX account, he gave me an email of XXXX, I have never heard of this email and it does not seem to be something in English, I informed him that they had the wrong person and that I needed to dispute this debt. He informed me that he would file a dispute and if I had any information that would be helpful in the filing of the dispute to send it to Jefferson Capital System XXXX. XXXX  XXXX, XXXX, IL XXXX or XXXX XXXX  XXXX XXXX, XXXX XXXX, MN XXXX. I feel like whomever this XXXX person is they are running a scam and giving debt to people that do not owe anything trying to threaten in paying. Please help me solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I called these people over and over for the last 10 months about my issues logging in not only that the fact that they've given me new accounts I can't even access my self my XXXX is always being changed by someone else 's money withdrawn sent to other people in other places my XXXX cards paying people 's business bills and there bills and I can't get XXXX done I need to know if I need an attorney because this has completely humiliated me abosolutley have shamed and embarrded me publicly and tormented me to be done this way

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 2020-12-30 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: TX

Complaint narrative:
I feel bluntly ignored by the bureaus I sent out certified mail to them on XXXX and to this date 60 days later today on XXXX I have not received a response pertaining the disputes that are unverified and misleading and that was placed onto my account without knowing 100 % if it actually belongs to me. I found out that my information was impacted by the Equifax data breach so my information could have landed in the wrong hands. I demand these accounts listed be deleted. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TX

Complaint narrative:
I feel bluntly ignored by the bureaus I sent out certified mail to them on XXXX and to this date 60 days later today on XXXX I have not received a response pertaining the disputes that are unverified and misleading and that was placed onto my account without knowing 100 % if it actually belongs to me. I found out that my information was impacted by the XXXX  data breach so my information could have landed in the wrong hands. I demand these accounts listed be deleted. Thank you

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: AL

Complaint narrative:
I pulled my credit to discover a debt that doesn't belong to me. It is from OAC and account # XXXX, XXXX account number XXXX and lastly XXXX/XXXX  Credit # 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 2020-12-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have money in the bofa edd account that im unable to get. initaily i was asked to verify my identity which i have done 3 times and still im left with the same problem. its been such a headache i would like for them just to mail me a cashier check if they cant clear my account. its been about two months since this problem began. im in very bad health due to XXXX  XXXX and limited in my mobility.

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 2020-12-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
was contacted by letter in the mail on XX/XX/XXXX, the letter was dated XX/XX/XXXX. This letter is from a company called XXXX XXXX located out of XXXX XXXX, MN. This company seems to be a collection agency and they are trying to collect funds from a company called Paypal Account. They say I owe a debt of $ XXXX this was created in XX/XX/XXXX. I have never had a Paypal account and when I notified the company the first time they wanted me to verify my social security number I would not give it to them and the rep on the other line got very hostile with me. I informed them that they could discuss this debt with my attorney and that I have never had a Paypal account. I am XXXX years old and I use a bank not Paypal to pay my debts. The young lad I spoke with was very rude so I ended the conversation with her. The date I contacted them was XX/XX/XXXX upon receiving the letter about XXXX in the afternoon CST. I decided to call back on XX/XX/XXXX, and I received assistance from this young man, I told him that I did not feel comfortable giving my information such as my social security number and he told me that was fine, he then began to tell me about the debt so I asked him if he had an email connected to this debt since it was a Paypal account, he gave me an email of XXXX, I have never heard of this email and it does not seem to be something in English, I informed him that they had the wrong person and that I needed to dispute this debt. He informed me that he would file a dispute and if I had any information that would be helpful in the filing of the dispute to send it to XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, IL XXXX or XXXX XXXX  XXXX XXXX, XXXX XXXX, MN XXXX. I feel like whomever this XXXX person is they are running a scam and giving debt to people that do not owe anything trying to threaten in paying. Please help me solve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Cpi was placed on my loan in 2006 and it raised my payment making it unaffordable. 
Wells Fargo Repossessed my auto because of nonpayment due to increased premium which I did not need I had full coverage. I am out alot more than the XXXX they refunded so far and there refusing outside mitigation. I want outside mitigation.

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 2020-12-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 is incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently pulled an Employment Data Report which indicates XXXX XXXX has reviewed my information monthly for the past year. 

The information on the report and the information I have reviewed on XXXX XXXX do not match. The company is not utilizing my information correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC
State: CO

Complaint narrative:
Sent me an email about ten year old debt and threaten to sue me Being up to date on your finances helps give you peace of mind. 
XXXX XXXX, we are writing to tell you about an important matter that should be resolved. It's possible that you weren't aware of your outstanding balance of {$89.00}, originally owed to XXXX. 

Learn about your options to resolve this. 

This was originally a check written to the XXXX. The check was presented for payment but dishonored by the bank. Orion Portfolio Services , LLC purchased this debt and has hired our company, XXXX to collect the balance due of {$89.00}. The balance due includes the face amount of the check, {$64.00}, plus a returned check fee of {$25.00}. 

Account Information Current Creditor : Orion Portfolio Services , LLC Original Creditor : XXXX Original Check Number : XXXX Check Amount : {$64.00} Returned Check Fee : {$25.00} Balance : {$89.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, my house mate made me aware at about XXXX that there was fraudulent activity on her Bank of America account. Being that I too have an account with Bank of America I logged into my account and to my dismay I see that a total of {$640.00} were withdrawn from my account that morning. The withdrawal was made at a XXXX XXXX ATM located at XXXX XXXX XXXX XXXX . XXXX, XXXX NV XXXX. The withdrawal must have happened anytime between midnight and XXXX. I know it was an ATM withdrawal because there is an additional charge of {$1.00} for an ATM cash withdrawal fee. 
Please note the I still have the debit card in my possession. 
I immediately called Bank of America to report the incident, they suspended my debit card and transferred me to their claims department. I was provided with the following claim number XXXX. 

After a couple of days I received a letter from Bank of America stating that claim number XXXX for the account ending in XXXX was closed on XX/XX/XXXX. Based on the timeline, my claim was closed within 24hrs. They didn't even review the police report that was made on XX/XX/XXXX and faxed to Bank of America on XX/XX/XXXX. After receiving the letter that stated that my claim was closed I called Bank of America and told them I had faxed to police report. The Bank of America representative said they would reopen the case and would be under further review. After all this took place Bank of America did provide me with a new debit card, but after a week or so they proceeded to close my account. As of today XX/XX/XXXX my account still remains closed and the {$640.00} dollars that were stolen from my account have not been reimbursed. I have tried to contact them but after being a couple of hours on hold a representative normally answers and before I can finish saying hello they hang up. This account is being used by the state of Nevada to deposit unemployment funds ( the reason why I'm using it ), the unemployment devision has continued to deposit the funds to this closed account. Therefore I have no access to my funds during these hard times. As of today I still do not have an answer from Bank of America as to why my account was closed.

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