vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This nightmare began with with my trying to dispute simple information and ended up in them deleting the positive accounts like my XXXX XXXX to completely freezing my whole account. This caused me to lose a home i was try ing to purchase im at wits end and prepared to get an attorney to sue 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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This nightmare began with with my trying to dispute simple information and ended up in them deleting the positive accounts like my XXXX XXXX to completely freezing my whole account. This caused me to lose a home i was try ing to purchase im at wits end and prepared to get an attorney to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nudge Funding, LLC
State: OR

Complaint narrative:
I have been in the process of refinance with Box Home loans since XX/XX/2020. They have been non-responsive to me when trying to clarify what they needed ( no response to emails or inquiries through my account page with them ). They have asked for verification on " interest in properties '' that I have never owned and then will no clarify where their information comes from. I have responded quickly to any request for documentation. After 6 weeks, my application has not even gone through the initial review phase. We have a previous relationship as I have done one home purchase and one refinance through them. I am really frustrated about what appears to be their incompetence. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. Ipulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports 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 2020-05-27 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. Ipulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports 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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I recently received my stimulus payment on XX/XX/2020 i had it deposited in my CURRENT CARD account.on XX/XX/XXXX my stimulus money started missing out of my account. A total of XXXX was took out of my account thru different apps like XXXX, XXXX, and XXXX.I filed a dispute on XX/XX/XXXX once I notice my money was missing and I was told that I would receive a credit in 10days even if the investigation is still ongoing. It has been a total of 18 business days and I have heard nothing from the card company.Every time I try and call i get a automated message.everyone I speak with online tell me I will get a email and they don't have another update .I had to beg to speak to a supervisor who tells me she didnt have an update .i have also tried emailing and I get the same thing no updAte and sometimes no response .I believe this card company has something to do with my money going missing .I read several reviews and they are basically scamming people out of their stimulus money, this is a hard time for everyone and this money is to help other stay afloat not to have someone take advantage on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$0.00} CHAPTE XXXX BANKRUPTCY DISSMISSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I personally sent a letter for debt removal all accounts in my letter and all non account holding inquiries older than 30 days to TransUnion by certified mail. Which mean the bureau could process the letter because it was mailed by me. The tracking number states that the letter was received by agent on XX/XX/XXXX and it was never processed. Which further held damage against my credit report. The incompetence of TransUnion is damaging to me improving my credit profile.

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 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On Tuesday, XX/XX/XXXX, I reached that objective, and called Wells Fargo on XX/XX/XXXX to inquire about when I would receive the {$400.00} bonus. The customer service rep XXXX filed an Incentive Not Received claim and assured me that I would receive the bonus within the next 30 days. 

I called on XX/XX/XXXX to follow up on the bonus and was told by the representative that I did not qualify. I was transferred to her manager who spoke with an executive who also denied my bonus based on an overdraft on XX/XX/XXXX. I had met the qualifying threshold on XX/XX/XXXX. Also I had deposited money on the day of the overdraft and Wells Fargo reversed the overdraft and recalculated the balance the same day. 

I called Customer Service again on XX/XX/XXXX and spoke with XXXX. It looked to her like I qualified. She told me not to worry because the Incentive Not Received department was still investigating the claim and the people that I spoke with during the previous phone call were only representatives. 

On XX/XX/XXXX I received a phone call from XXXX at the Executive level and she told me I did not qualify because the qualification period was 150 days. In actuality, the bonus offer states that I was to be given 150 days to meet the threshold of $ XXXX for 3 consecutive months. I met that threshold on XX/XX/XXXX. She said that she could not override the decision already in place and there was no one above her that could override the decision either. 

I have received no written documentation regarding the bonus, my qualification status, nor the claim that was filed. 

It is obvious that Wells Fargo is doing everything they can to avoid honoring the Bonus Offer that encouraged me to open the account in the first place and which I qualified for on XX/XX/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 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Timeline : - On XX/XX/2020 I began selling goods on XXXX - On XX/XX/2020, Paypal sent me a notice that they were restricting my account until I provided evidence that I had fulfilled my orders ( tracking numbers ), confirmed my identity ( drivers license ), and that the items which I had sold were purchased legally ( invoice ) which I immediately did. At this time, my paypal account had {$2100.00} that I was unable to withdraw. 

- On XX/XX/2020, I attempted to call Paypal 's support line to inquire about the status of my restrictions only to have their service line explain that they had laid off their support staff and to contact them through their message center. I attempted to contact their message center with no response. 

- On XX/XX/2020, Paypal finally got back to me and released their restrictions. Then about 20 minutes later, I received an email stating that not only were they closing my paypal account, but they were going to hold onto my funds for 180 days!!!!! 

It's the end of the month. Rent is due and I have no recourse! You can't get anyone on the phone. They don't respond to emails. I'm not even sure what I've done to trigger the issues as I've complied with all of their policies and requests for information. I'm not going to tell my landlord that he needs to wait 180 days because Paypal doesn't want to release my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
XX/XX/2020 original creditor XXXX  return check balance {$330.00} actions taken by the company send me to collection appear on my experian report dont know anything about this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$0.00} CHAPTE XXXX BANKRUPTCY DISSMISSED

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 2020-05-27 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$0.00} CHAPTE XXXX BANKRUPTCY DISSMISSED

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Requested a free yearly credit report. Now we found out that we are being charged by Experian ( deducted from our credit card ). Furthermore, we receive emails solicitation " enhancement of membership ''. We never agreed to any membership. All we asked for was a free credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I called Experian about how to go about taking my name off my husbands credit card, I explained ( with my husband sitting there with me ) that I have my own credit card ending in**** credit limit XXXX my husband has his own card ending in**** my husband said his card came with my name on it and he didnt know why and to take it off because I had my own. The man informed me to file a dispute that he did for me over the telephone. When I checked the results I realized he took my card off my credit so I called XXXX XXXX tried to explain the situation I was sent to the fraud department I explained that Experian took the wrong credit card off my account the one that was taken off was my card I was told the card is marked as fraud I can reapply if I want but the card I was calling about is fraudulent.I gave the all my info to verify who I was and was told nothing I could do, I asked how to make a payment because I have one coming due and I was told I couldnt make a payment because its a fraudulent card ... I called over 5 times trying to talk to someone I explained to these people there was a mistake on my card its not fraudulent its mine. I was hung up on several times I was told to fax a notarized letter with 2 ids saying it wasnt fraud ..I called to see what I could send because my social security card hasnt came yet and was told by a man that I could not fax it I have to mail it he gave the address but wouldnt tell me who I need to send it too he said it wasnt the fraud department but a different department he couldnt give me a direct number because he said there wasnt one and he said he would transfer me after the second time being on hold I was hung up on again I am so angry that I cant anyone at XXXX XXXX or Experian to listen to me I have phone records to show all the calls I made to these people .what can I do?

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 2020-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Management Recovery Corp. (NMRC)
State: UT

Complaint narrative:
In XX/XX/2019 I called XXXX XXXX XXXX and asked to set up payment arrangements. I had gotten behind and want to get this paid off. He told me that he could not do that I would have to contact a collection agency but did not give me information. He then charged my account {$140.00}. I have had a guy call different work locations I do not work at and keep asking employees information about me even though he was told by the store manager to not call again and that we do not answer questions about employees all verification have A strict policy. He called from XXXX he then proceeds to call another location and same thing is advised to stop calling that I am not in these store no information would be given per policy. I then call his number to figure out what this is and it sends me straight to voice mail and says hang up do not leave message this is an investigation department. I tried texting number to stop contacting my references and work and that I do not know what this is about but to stop contacting them. He has called my employer and family saying if I do not call back immediately and provide a claim number he is on his way to my employer to serve me documents. Today is the first day I was given a valid number and even the name of the company XXXX  XXXX XXXX. It's never been provided and I thought he was a scammer because I can not call him back but he keeps calling my work and family. Today I called a number that was left and I asked the lady to stop having people call my work and family that I can set up payments and she informed me I can only stop the calls to my job at locations, that I'm not even working at and my family is by paying over XXXX in full and that I am committing fraud by defaulting contract even though I've made plenty of payments and also tried to set up arrangements was told I can not then charged anyway. She said that it was my intent not to pay off balance and that she will not stop the harrassment unless I pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
WesternUnion is using the incorrect exchange rate which is unfair to my family overseas who is already dealing with financial hardship and Covid making it difficult to work.

The actual rate is $ XXXX- {$200.00} and WesternUnion is only giving $ XXXX- {$190.00}, in essence robing my family of {$11.00} for each dollar I send.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JP Morgan Chase has been reporting a fraud account on my credit report for years now. I have supplied a police report, ID Theft report, etc. They refuse to remove it. I even tried to pay this fraud off to get it off my report, and I was told by Chase to do so I have to send a letter in saying this is my debt. They want me to lie and say this is mine when its not to pay this off. I want this removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Allied International Credit Corp., (US)
State: CO

Complaint narrative:
I believe I received a spam letter from AIC trying to collect money which I never owed. 
I choose not to contact the company since I think it is spam. They said the creditor is XXXX and I owe {$650.00}. I never buy from XXXX. They said I should send the money to them or to XXXX. 
This letter was received by me on XX/XX/20. I have a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX Checked my credit report - There was a comenity bank credit card listed which I never applied for and I was never notified the account was opened in my name. 
XXXX Wrote letter to comenity bank notifying them that I never opened a credit card with them and informed them it was fraud. In this letter I provided my address. 
XXXX Filed police report listing identity theft XXXX Sent Comenity bank another letter and provided the police report number. 
XXXX Went to IdentityTheft.gov and submitted report with FTC - reference number XXXX XXXX Sent letters to the three credit report companies letting them know about the fradulent comenity account. I included copies of the police report and the FTC report and the intial letter I sent Comenity. 
XXXX Received letter from XXXX stating that they completed their research and they Deleted the Comenity BAnk/Atylrlmc account from my credit file XXXX Received letter from XXXX stating that they added the Comenity bank account back to my credit report As of XXXX I have never received a letter from Comenity, I have never received a bill from Comenity. I have received nothing in writing from Comenity yet this account still remains on my credit report under XXXX. I do not have a Comenity bank credit card and Comenity bank does not respond to my letters.

Company response to consumer: Closed with monetary relief