vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX XXXX {$33000.00} XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT EDXXXX XXXX {$180000.00} USDOEXXXX  XXXX {$11000.00} XXXX  XXXX  XXXX {$990.00} XXXX  XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-30 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: 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2020 - Equifax reported false information to my creditor causing the creditor to close my account - this information was not according with truth or fact, was incorrect. Equifax stated in a written report that my credit score was XXXX and list on the website that my score is is a XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am on 'Stay at Home Orders ' because of Covid19 since XX/XX/2020. I work part-time so do not get a paycheck while furloughed/Whole state is shut down due to Covid19. I sent Discover Card {$100.00} on XX/XX/2020 toward my XXXX payment of {$450.00}. They called me 5 times on XX/XX/2020, I picked up and talked to them to see what they wanted. They want {$900.00} by XX/XX/2020 that I don't have! I told them I am on 'Stay Home Orders ', don't get paid, and I work only XXXX at a XXXX  which is Non-essential business. The young man was talking fast and pounding me to say I would pay them {$900.00} that he gave me a XXXX XXXX! I asked him to lower my interest rate, make my monthly payment small, told him I want to pay but don't have it now! I was in Panic Mode and couldn't understand him any more and I told him that. He said he would mail me my bill but nothing has changed on it. Yesterday XX/XX/2020 Discover card called me 11 times and it happened to be the day my kitty died in my arms ... 11 phone calls in one day constitutes Harassment! I need them to work with me and stop the phone calls! Send it to me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reported the business to the XXXX  about 3 weeks ago because of collection calls I was receiving. Told two representatives that I have not worked due to COVID19 and I told them I would pay the loan as soon as I resume getting a check. They went on to ask if I was getting an unemployment check, I explained to them that I dont know when Ill resume work because Im not eligible for unemployment. I told them soon as I get paid Ill resume payments with them. Theyve continued to debit my checking account resulting in it being $ XXXX, if I told them I have no money then that means they shouldnt try to pull money out thats not there. This is a violation of my rights and I got the XXXX  involved and Check N Go tried to refer me to their online customer service instead of an actual representative of the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NV

Complaint narrative:
These are not my accounts on 4 submitted reports to the FTC. Additionally, there is a name added that's not mine and most of them exceed 7 years.

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 2020-04-30 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: NV

Complaint narrative:
These are not my accounts on 4 submitted reports to the FTC. Additionally, there is a name added that's not mine and most of them exceed 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Control, LLC
State: NY

Complaint narrative:
I saw credit control on my credit report and never had any interaction or did any business with them. When I call them they first stated that they did not ever pull the credit report but than after a manager said he just " pulled the score. '' He did not XXXX shows that they accessed my report and I have it attached. Having Credit Control show up on my credit report is a damaging to getting a rental in new york during this pandemic! 
In addition, their company name ( Credit Control ) appearing on your credit report is defamatory and libelous in nature. 
I have attached their reporting to this email. Please Help CFPB XXXX XXXX contact - XXXX XXXX XXXX Registered Agent XXXX, XXXX A. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2020-04-30 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-30 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and address!

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 2020-04-30 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: 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.

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 2020-04-30 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: 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.

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 2020-04-30 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled 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 gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX/XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX   XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I tried to use PayPal 's friend money-transfer service several times to send {$200.00} to a family member. I sent one payment on XX/XX/XXXX that I immediately cancelled bc I input the wrong email address. Even though I tried to cancel the payment and my PayPal account shows the payment was refunded. I was not actually refunded the money to my bank account. PayPal never sent the money back. 

The same day, I resent {$200.00} to the correct email address. However, when this family member tried to access the payment on their account, it shows an error message on their end. This means that the person has not received the payment, and I am not able to cancel it on my end ( it does not give me a cancel option ). 

This means that PayPal has taken 2 x {$200.00} transactions out of my bank account but has not refunded or actually transferred the money to my family member. 

I've tried calling them ( their customer service line is closed, per their automated message ), I've tried messaging them online through their help center ( not working ), I've tried contacting them on social media ( no response ). I don't know what else to do. At this point I just need to be refunded for both {$200.00} charges since this money was not actually sent to my family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have an auto loan with Navy Federal Credit Union that I was never late with. 
At the end of XXXX, the President enforced a government shutdown that impacted millions of small businesses and thousands of XXXX veteran/XXXX  XXXX  like mine. Invoices that we had submitted in XXXX, XXXX, XXXX and XXXX were not honored until almost mid XX/XX/XXXX. 
When I realized our invoices would be not be honored and we were pulled off projects I reached out to all my debt holders - XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, and all worked with me. I not only wrote letters but called or visited in person those I owed. One of those was Navy Federal Credit Union. I went to their XXXX, CA office and with their manager called in to NFCU home office and the NFCU agreed to not place anything negative on our credit report. They said I had an outstanding payment record prior and they were working with all their veterans to ensure they were not harmed due to the government shutdown. Once we were paid in XXXX, I made up the back payments and have not been late since. But learned this year, NFCU did in fact post a negative on my report. I wrote then two certified letters. I went to their office. I called. I emailed. And I only get one paragraph reponses. They have taken over 30 days to respond to my letters and when I called last week, they say they had no records of my calls or emails. When I was in the office with my complain others were there also with the same issues. This is not right. I sent a certified letter to the President of NFCU that was five pages long in detail. I get one paragraph letter by from someone in Risk Management and when I attempted to call or email this person, the number didnt work and they had no email from him. Before that I received a letter from a woman and again the telphone number was bogus. This week I got an email saying they would investigate again, but no contact information. Something must be done to punish NFCU for being sloppy in responding and not keeping their word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: CT

Complaint narrative:
My partner is on furlough from his job so we have a financial hardship to household income. We have an FHA loan so I logged into the Homebridge ( our mortgage servicer ) website understanding that we could apply for a forbearance or a deferment of payments ( the latter being the preference ). The website says only forbearance is available and any skipped payments must be repaid in one lump sum at the end of the forbearance period. They even provided this example ( copied straight from their page ) : Example One : 1. XXXX  's monthly mortgage payment is {$1500.00} and is due on XXXX XXXX. He chooses a 90-day forbearance in XXXX. As a result, the forbearance period will run from XXXX  through XXXX. During this time, his monthly mortgage payments are suspended. At the end of the forbearance period, XXXX  will owe a total of {$6000.00} on XXXX XXXX. That is, he will owe {$4500.00} for the XXXX   through XXXX  payments, plus his XXXX  payment of {$1500.00} ( total = {$6000.00} ).

Example Two : 2. XXXX  's monthly mortgage payment is {$1500.00} and is due XXXX XXXX. He chooses a 180-day forbearance in XXXX. As a result, the forbearance period will run from XXXX  through XXXX. During this time his monthly mortgage payments are suspended. At the end of the forbearance period, XXXX   will owe a total of {$10000.00} on XXXX XXXX. That is, he will owe {$9000.00} for the XXXX through XXXX  payments, plus his XXXX  payment of {$1500.00} ( total= {$10000.00} ).

We can't repay a large lump sum like that so I guess we're left on our own to figure out other options. I was under the impression the CARES act was supposed to benefit the consumer by allowing deferments but clearly not ; I don't understand how anyone who suffers a job loss can be expected to come up with a {$21000.00} lump sum payment in six months ( our payment is $ XXXX/mo x 6 months = {$18000.00} + the next payment of {$3000.00} ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit repair company has failed to respond to my compliant and there is still unverified and inaccurate information on my 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 2020-04-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter dated XX/XX/20 informing me that as my Citi Double Cash Mastercard had XXXX balance, was in good standing, and had not been used for 2 years, it was automatically closed. 
This negatively affects my credit balance. 
I was given no warning. I called the company to request a reversal and they refused. 
My account was in good standing the entire time.

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 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Company repeatedly is calling me and whole family back to back on a daily everyday basis, they are extremely rude and aggressive. Still owe XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: FL

Complaint narrative:
Hello, For years I have been enrolled in Equifax 's Complete XXXX XXXX. For approximately 8 months I am unable to lock my credit report. I called Equifax. The customer care individual was unable to lock my report on his end. This was then escalated by a supervisor who said that a report was sent to Equifax 's Technology department. In the meantime, I was told by this supervisor a Freeze would be placed on my file. Last month ( XXXX ) a future landlord needed my to run my credit. I called Equifax to unfreeze my report. I was told that a freeze was never placed on my report. I called Equifax again, today XX/XX/2020, to remedy this issue. I spoke to XXXX in customer care. He was unable to lock or freeze my credit report. He stated that my case has been pending for months. He sent another request to technology requesting them to repair this issue. I asked XXXX if this could be done today. He said technology was not responding to him. I asked him if someone could follow-up with me. He stated he sent a memo to technology to repair this issue and to call me back. However, XXXX said he could not guarantee I would receive a return phone call. He said he placed a fraud alert on my file. However, if a lender forgoes this, a person could still open an account under my name. I was notified by Equifax and XXXX XXXX XXXX XXXX 's Tax Identity Shield approximately two months ago that my Social Security number and e-mails had been stolen. I received a letter yesterday that someone ( using my name ) was attempting to become prequalified through XXXX for a revolving credit account. Luckily the request was denied due to the freeze I placed with XXXX. However, I'm very afraid that if Equifax does not lock or freeze my account, someone will have access to opening accounts under my name. If you contact Equifax, they have our conversations logged. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Pick up truck was totaled in XXXX of 2019. Insurance paid vehicle in XXXX  2019.XXXX XXXX has not updated credit bureau.as of XX/XX/2019. XXXX  says I owe {$10000.00}, Transunion says {$440.00}, XXXX  says account is closed. Also XXXX XXXX has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not

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