vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: NJ

Complaint narrative:
On or around XX/XX/2020 I attempted to lift my security freeze with the 3 credit bureau reporting agencies. I could not access either account even though I had the security issued pin ( s ) when I placed a freeze ( due to identity theft ). I attempted to call each agency and could not contact anyone to speak to getting circles of voice que 's. 

When attempting to access XXXX  a page popped up that stated to send documention to them. I followed the instructions and mailed certified on XX/XX/XXXX. I received confirmation the documents were received on XX/XX/XXXX. No one has contacted me via phone, email ( I have monitored my spam folder ), or mail. I continue to be unable to get through by phone or access accounts online. 

I am attempting to refinance my home and am unable to proceed without lifting the credit bureau freeze.

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 2020-06-15 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: NJ

Complaint narrative:
On or around XX/XX/2020 I attempted to lift my security freeze with the 3 credit bureau reporting agencies. I could not access either account even though I had the security issued pin ( s ) when I placed a freeze ( due to identity theft ). I attempted to call each agency and could not contact anyone to speak to getting circles of voice que 's. 

When attempting to access XXXX a page popped up that stated to send documention to them. I followed the instructions and mailed certified on XX/XX/XXXX. I received confirmation the documents were received on XX/XX/XXXX. No one has contacted me via phone, email ( I have monitored my spam folder ), or mail. I continue to be unable to get through by phone or access accounts online. 

I am attempting to refinance my home and am unable to proceed without lifting the credit bureau freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: NV

Complaint narrative:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: NV

Complaint narrative:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

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 2020-06-15 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: PA

Complaint narrative:
On numerous occasions, I have sent letters the below named account only to receive them right back. 

My initial letter was sent on XX/XX/XXXX and returned on XX/XX/XXXX and the second letter sent on XX/XX/XXXX and returned on XX/XX/XXXX. Im unable to reach this company and have this account rectified. I have never been late on this account and this have proof of this. I ask in your assistance of removing this late payment from my account. 

1. XXXX/XXXX  : Account Number : 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 2020-06-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On numerous occasions, I have sent letters the below named account only to receive them right back. 

My initial letter was sent on XX/XX/XXXX and returned on XX/XX/XXXX and the second letter sent on XX/XX/XXXX and returned on XX/XX/XXXX. Im unable to reach this company and have this account rectified. I have never been late on this account and this have proof of this. I ask in your assistance of removing this late payment from my account. 

1. XXXX/XXXX  : Account Number : 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 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I have been a victim of scam and identity theft. I initiated a Police Report with the XXXX Sheriff Office ; Florida ; ph. XXXX ; XXXX  Case Number XXXX and a Complaint with the FTC Rpt. # XXXX. The scam is related to : I performed a serial of wire transfer ( a total of 3 wire transfer {$31000.00} ) at the request of the Social Security Administration ( SSA ) and the Federal Trade Commission ( FTC ) guided by XXXX XXXX a fictitious DEA agent. Funds were wire transferred from my XXXX XXXX XXXX XXXX Account # XXXXX ; Routing # : XXXX to other 2 Bank accounts ( account numbers available upon request ; name of the banks : " XXXX XXXX XXXX  '' ; ( XXXX ) and " Bank of the West '' ; XXXX ) the account numbers and routing number for these banks were provided by the fictitious DEA Agent, named XXXX XXXX ( phone used to initiate the scam XXXX he used other numbers also ). On XX/XX/2020 ; I did the first wire transfer of XXXX to XXXX XXXX XXXX  ; the second on XX/XX/2020 for {$10000.00} and the third on XX/XX/2020 for {$11000.00}, both wire transfers to Bank of West ; for a total of {$31000.00}. On XX/XX/2020, I found I that this was an scam, when I called the Drug Enforcement Office, and told them that a DEA agent named XXXX XXXX made me wire transfer money to XXXX banks. The XXXX XXXX told me that call immediately the XXXX XXXX XXXX XXXX to recall the wire transfers and that XXXX XXXX was not a DEA agent. I immediately called XXXX XXXX XXXX and they recalled all the wire transfer from both banks. The Credit Union could recalled the wire transfer of XXXX from XXXX XXXX XXXX  ( which were wire transferred on XX/XX/2020 ) but could not recalled the 2 wire transfers for Bank of the West ( which were wire transferred on XX/XX/2020 ( {$10000.00} ) and XX/XX/2020 ( {$11000.00} ). In addition was also very difficult to communicate to the Bank of the West ; according to the XXXX XXXX XXXX XXXX. Please I need help to recuperate my money from Bank of the West located in California. Please if you publish this notice, remove my name and personal data from this notification.

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 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I left on a XXXX to an austere location in XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, there was a {$19.00} charge that was made on my American Express XXXX directly to XXXX. I do not recall this purchase and have filed a complaint with XXXX. They directed me up to the XXXX help-line after I reached out to their consumer website and stated " a direct purchase from XXXX is not possible. '' I have not heard back from XXXX 's XXXX office yet. 

Since I was XXXX, I went 60 days overdue on this {$19.00} charge. American Express paid it off after it was severely overdue. This has had an enormous effect on my credit score/report. I have worked with American Express on XXXX separate occasions. The first time I called XXXX XX/XX/XXXX ), the customer service clerk told me she would take care of it. Nothing was done. On the second attempt XXXX XX/XX/XXXX XXXX, I managed to file an official complaint with their credit bureau. They stated I should be able to see it removed XXXX XX/XX/XXXX. A few weeks after XX/XX/XXXX, I called back and they stated that it had all been resolved. They sent me a check in the mail for {$2.00}. I have not cashed that since I do not know what this is for. The check is still in my possession and the overdue {$19.00} still shows up on my credit reports. I'd like to press to have this removed. 

Under the Service Members Civil Relief Act, I should be protected from this erroneous charge since I was XXXX at that time. I had the financial means to pay off the {$19.00} but did not have the ability to do so due to my XXXX. I am filing with you since I have no been successful with American Express and have not heard back from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 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:
XXXX  and Experian are both reporting incorrect information on my credit report. they are both reporting an account from XXXX XXXX, that does not belong to me. the address that they are reporting does not belong to nor have i ever lived there. i asked them to provide me with verifiable proof and they have not. they have not produced any documentation, no binding agreement contract, no signature that belongs to be. they have only produced an itemized bill, which proves nothing.

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 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
On XX/XX/2020, I went on the company website to add my XXXX XXXX savings account information to make XXXX additional payments toward the principal of my mortgage loan. On XX/XX/2020, I noticed the payment had not cleared the account and contacted XXXX XXXX XXXX. I discovered the account number I entered did not contain the XXXX preceding zeros. This caused the payment to be rejected a few days later. As a result, SPS added a block to my account which prohibits me from making my payments online and requires me to mail in a certified check. The representative stated it was an SPS error and should not have been flagged as an NSF. She also informed me it would be corrected within XXXX business days. I have called SPS several times and each representative has given me a different explanation and time line of when the mistake will be corrected. I have also emailed the Ombudsman 's office. I received a template response from the office via email and mail. On XX/XX/2020, I called again to inquire about the block and to make my mortgage payment online. It was at this time, I was told for the first time, the issue was sent to a XXXX on XX/XX/2020 and a decision would be made by XX/XX/2020. I was also informed that I would need to make 6 months of payments before the block is lifted. That requirement is typical for someone who has had NSF issues. I have never had a payment returned for NSF reasons. Today, I log onto the website, the block has not been removed. I called and waited on hold for a XXXX for XXXX minutes. The representative, sent an emailed to the XXXX to request she give me a call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I've been working to improve my XXXX XXXX and signed up with XXXX. I've been on an IDR Plan with Navient and in XXXX & XXXX, I was late with my IDR renewals and even though I was able to renew, Navient had already reported late payments to all XXXX credit bureaus. The dates are the following : XX/XX/XXXX - 90 days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - 90 days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late. 
All other months since XXXX are listed as current as agreed. 
During the above months, I was caregiver for my XX/XX/XXXX year old mother with XXXX who was declining rapidly. She passed away in XXXX, XXXX. I was so discombobulated during that time, that it took major effort to just put XXXX foot in front of the other. I was able to get the IDR renewed and everything has been fine since, but the erroneous late payments are on my reports, even though I wasn't required to pay on my student loans for those months. I was late renewing and not paying on my loans. These lates are having the most significant negative impact on my FICO scores. As a result, when I have attempted to get loans for my practice, I've had to go with companies who work with " high risk '' businesses with low credit scores. 
I did file an account dispute with XXXX  on XX/XX/XXXX and the result was that Navient would not remove the lates. I called Navient on XX/XX/XXXX and was told that XXXX law prohibits them from removing the late payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
In XXXX of 2020, I replied to a listing on XXXX for a studio apartment in XXXX, XXXX. After discussing the plans with the " owner '' he explained that there would be a third party service involved to secure the transaction and provided me ID to insure transparency. I was provided legible documents such as : an invoice, rental agreement, and insurance policy. All documents were claimed to be approved by valid representatives of XXXX, a company by XXXX. The owner explained since he lived in XXXX that XXXX will lead me to the next steps to receive the rental package XXXX keys, documents, etc. ) After receiving emails from the third-party company XXXX, I submitted a payment of {$2000.00} through XXXX. XXXX XXXX & Last XXXX XXXX After receiving the confirmation of payment, I was told I would receive tracking on the rental package. I was soon told that the terms and conditions changed recently for United States rentals and I needed to submit a payment of {$1000.00} through XXXX as a safety deposit. I was told that this would be returned to me after the XXXX inspection period. I have not heard from the owner company and have not be able ti contact them. The rental package never arrived, nor did I receive tracking or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX  XXXX  XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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 {$73.00} XXXX XXXX {$130.00} XXXX  XXXX  XXXX {$100.00} DPT ED/XXXX XXXX {$6000.00} XXXX XXXX {$100.00} DPT ED/XXXX XXXX {$2200.00} XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I found fraudulent charges on my TD Bank credit card and reported it. They investigated and said they were going to reverse the credit and charged us {$250.00} for unauthorized charges from XXXX XXXX. Their own XXXX XXXX, agreed they appeared to be fraudulent as the telephone provided by XXXX XXXX went nowhere. We have written, called and emailed the bank and they still made us pay the fraudulent charges. In order to preserve our credit, we paid them. XXXX XXXX who is supposed to be a supervisor said the charges will remain. The bank will not assist as apparently the credit card department is in complete charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX/XXXX  XXXX 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 2020-06-15 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: 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a capital one credit card with a {$10000.00} limit. I made an overpayment of {$7700.00}. The company has refused to allow the overpayment to go toward my credit limit and allow me to make the charge. 

This company is refusing to allow me to spend the money on my account which I overpaid to them. They are not taking a greater risk. The paid amount is only about 1/2 of the credit limit they have given. 

When an overpayment is made, a card purchase limit should increase to include the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Item took more than 30 days to respond. Item must be removed from credit file. Please see attached pdf. Item was XXXX XXXX support. Equifax took over 50 days to respond to complaint about oag. Item must be removed from credit file because equifax did not respond within 30 days.

Company response to consumer: Closed with explanation