vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
On XXXX I started working with XXXX XXXX for a loan on XXXX XXXX XXXX XXXX, VA. XXXX told me I would need to pay {$620.00} for an appraisal and I did. 
Since then my real estate agent and I have been asking what is holding up the loan for almost a month and XXXX keep stating she is waiting on the appraisal. Every time we called since XXXX we have been asking how is the appraisal going? Her reply was the same, I am waiting on the appraisal. 

On Thursday XXXX, the Vice President of the XXXX  XXXX Office or Cardinal Financial and XXXX XXXX XXXX XXXX XXXX XXXX called me. I requested that my real estate agent, XXXX XXXX be on the phone with us so he did a three way call. He said to XXXX and I that even though the loan was approved the real reason it is not ready to close is because and I quote : I can not find a buyer for you loan after we close it I explained that was not my fault and the very next day Friday XXXX XXXX sent me an E-mail stating : We are still waiting on appraiser to complete his report. I sent her an E-mail at XXXX on XXXX stating I dont need her appraisal. Then on XXXX at XXXX or XXXX XXXX, she sends me the appraisal and I told her XXXX XXXX has to do their own appraisal and I cant use this. 

On XXXX I sought a Mortgage with XXXX XXXX  in XXXX, Virginia. The loan office XXXX XXXX asked why is it taking so long with Cardinal Financial to close a loan. I told him that XXXX husband and Vice President of Cardinal Financial XXXX  XXXX office told me he could not find a buyer for my loan. Mr. XXXX said he will only take around three weeks to close my loan with XXXX XXXX  and that XXXX XXXX  XXXX  will keep the loan. 

Since the Vice President of Cardinal Financial, XXXX XXXX said he could not close the loan because he could not find another Financial Institute that would buy my mortgage that I am should not be held responsible to pay for an appraisal that I nor XXXX XXXX  can use because XXXX XXXX  said they have to do their own appraisal. I should not have to pay for a service that I am not getting due to the inability of Cardinal Financials issue of finding a buyer for my approved loan. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I opened a PayPal account in order to send and receive money online. I was able to process online transactions for payment, but PayPal said I had red flags to resolve on my account, and that I needed proof of address. 
I sent them a copy of my bank statement, to show proof of address. 
I was then sent money from another PayPal account, and PayPal will not give me that money. It was not deposited into my account, I can not access it. The sender has already had it deducted from their bank account and can not resend it to me or send it to me any other way. 
PayPal has my money, and will not give me access to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
There was a account opened in my name that I didn't give permission to do that its Capital One it was opened on XX/XX/XXXX and closed on XX/XX/XXXX of 2020 and I didn't open an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have previously contacted Experian explaining that I have been a victim of identity theft and provided them with the accounts that did not belong to me but they continue to refuse my request of blocking and deleting the accounts for XXXX XXXX {$530.00}, XXXX XXXX {$290.00} and several accounts from XXXX XXXX XXXX. I have provided all documents requested by them. These are FRAUD accounts and need to be deleted and blocked from 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 non-monetary relief
Consumer complaint received 2020-05-01 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: NV

Complaint narrative:
These are not my accounts, addresses and names on my 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 2020-05-01 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: NV

Complaint narrative:
These are not my accounts, addresses and names on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: Fidelity National Information Services, Inc. (FNIS)
State: KS

Complaint narrative:
all entries derogatory on my Chexsystems are the result of identity theft. I have tried to dispute the items with Chexsystems, and am given no opportunity to submit documentation to substantiate my case, other than ID Theft Affidavit. Chexsystems provides no justification for the accounts belonging to me. The derogatory information showing took place in the period of which I had not yet attainted the age of majority. d

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 2020-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
all entries derogatory on my Chexsystems are the result of identity theft. I have tried to dispute the items with Chexsystems, and am given no opportunity to submit documentation to substantiate my case, other than ID Theft Affidavit. Chexsystems provides no justification for the accounts belonging to me. The derogatory information showing took place in the period of which I had not yet attainted the age of majority. d

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 2020-05-01 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: CA

Complaint narrative:
Ive been a victim of identity theft for the last 5-6 years and its been a ever lasting nightmare ... Ive lost my drivers license, identification card along with my home being broken into. My passwords have been compromised. I just need this end. This XXXX XXXX account I have no recollection of and needs to be removed. Ive submitted a full police report, FTC report as well as contacted XXXX XXXX and they can not tell me who actually started this agreement. I have yet to obtain any documentation of importance. 

XXXX XXXX XXXX XXXX Account numbers, opened XX/XX/2016 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CA

Complaint narrative:
Ive been a victim of identity theft for the last 5-6 years and its been a ever lasting nightmare ... Ive lost my drivers license, identification card along with my home being broken into. My passwords have been compromised. I just need this end. This XXXX XXXX account I have no recollection of and needs to be removed. Ive submitted a full police report, FTC report as well as contacted XXXX XXXX and they can not tell me who actually started this agreement. I have yet to obtain any documentation of importance. 

XXXX XXXX XXXX XXXX Account numbers, opened XX/XX/2016 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 2020-05-01 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:
I recently checked my credit and noticed several discrepancies. Theres some accounts on there which I do not recognize and have never done business with. Some seem to be collection companies for companies I have never even inquired with or used in my life. I think I have been subject to identity theft. It looks like this person has gotten credit cards and automobiles in my name when I myself haven't even had a car. If you can please help me with this I would greatly appreciate it I am trying to get a car for my children and I and this is not letting us. 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 2020-05-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I requested the a method of verification with Experian, XXXX and XXXX about an Bankruptcy and I have attached the response from Experain which is not truthful. They stated they CERTIFIED THE INFORMATION WITH THE " Company '' ; however, there was no investigation of the this nature and I have letter from the courts stating they do not share information with Credit Agencies. Therefore, I requested method of verification with validation which was not provided. 

I request this information be removed ASAP as it has been more then 30 days.

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 2020-05-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I requested the a method of verification with XXXX, Equifax and XXXX about an Bankruptcy and I have attached the response from XXXX which is not truthful. They stated they CERTIFIED THE INFORMATION WITH THE " Company '' ; however, there was no investigation of the this nature and I have letter from the courts stating they do not share information with Credit Agencies. Therefore, I requested method of verification with validation which was not provided. 

I request this information be removed ASAP as it has been more then 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NV

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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:
I recently checked my credit and noticed several discrepancies. Theres some accounts on there which I do not recognize and have never done business with. Some seem to be collection companies for companies I have never even inquired with or used in my life. I think I have been subject to identity theft. It looks like this person has gotten credit cards and automobiles in my name when I myself haven't even had a car. If you can please help me with this I would greatly appreciate it I am trying to get a car for my children and I and this is not letting us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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:
I recently checked my credit and noticed several discrepancies. Theres some accounts on there which I do not recognize and have never done business with. Some seem to be collection companies for companies I have never even inquired with or used in my life. I think I have been subject to identity theft. It looks like this person has gotten credit cards and automobiles in my name when I myself haven't even had a car. If you can please help me with this I would greatly appreciate it I am trying to get a car for my children and I and this is not letting us. 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 2020-05-01 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: NY

Complaint narrative:
I am a victim of identify theft.

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 2020-05-01 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have capital one venture card for more than 6 years. 
In XXXX and XXXX I had a lot of customers service issues. My card didnt work in most of the transactions on line. I lost several good offers. I asked to set up telephone notification for my credit transactions, but it was never done. 
My card was stolen and I requested the new card, but it was never sent to me. 
I had to request it 3 times. It was human error. Associates just forgot to order it, than to send, etc. 
But for some reason they didnt forget to charge me the annual fee, that I was sure was inappropriate to do for lack of service I received. 
I contacted with capital one executive office and I was promised to waive annual fee for 2 years : XXXX and XXXX. 
In XX/XX/XXXX I called to the customer service to make sure, that the promise will be in effect. The bank charges annual fee in XXXX. 
I got the answer that it will be waived. I repeated the question and got the same question. 
I was really surprised to see the annual fee on my XXXX statement. I called, spoke to multiple people. They refused to do anything. ( spoke to different representatives 3 times in XXXX and 5 times in XXXX ) The last person I spoke was XXXX ( spoke to him XXXX XXXX ), senior account supervisor. He hardly spoke to me. He was rude and answered all my questions like I was pulling his teeth. I asked to provide executive office adress, Tel number and email. 
He refused to provide. I asked to listen to recorded conversations, he refused it too. 
I asked him to close my credit card and return the portion of annual fee, he also refused. 
I need your help to resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01 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:
Yesterday, XX/XX/XXXX, I submitted a complaint to CFPB that I could not dispute my credit card transaction from my online bank. BOA requested that I call and talk to them for the dispute. My English is not good enough to speak. But I can read and write, which means I can handle online chats or messages, but not phone calls. I have disputed transactions through the BOA online bank before, and did not have to call customer service. I do not understand why I must call the BOA customer service this time. I also can not find the " send a message '' option from BOA 's message center. I think it is very inconvenient for me. So I submited a complaint to CFPB. Today my daughter received an email ( her email address is listed as a secondary contact method in the online bank 's profile ) from BOA 's XXXX XXXX, who again asked me to call her/him and talk about my complaint. I can not understand what BOA is trying to accomplish! I complained to BOA about the barriers caused by them only accepting the phone calls as the contact method, then BOA asked me to call them about my complaint. This is serious discrimination based on language. 

Thank you for your time and attention Best Regards 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 2020-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I contacted Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and requested proof of my debt be sent to me. They continually refuse to talk to me unless I provide them with my social security number. The company seems like a scam and I have never heard of them nor agreed to do business with them. Yet, they are negatively affecting my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: FL

Complaint narrative:
I have been a victim of identity theft please see attached report for in-depth detail.

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 2020-05-01 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-05-01 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: FL

Complaint narrative:
I have been a victim of identity theft please see attached report for in-depth detail.

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 2020-05-01 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: FL

Complaint narrative:
I have been a victim of identity theft please see attached report for in-depth detail.

Company response to consumer: Closed with explanation