vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Back in XX/XX/XXXX I had been laid off and struggled financially the whole year looking for work at many places and took a few jobs that helped prolong my savings while I continued to apply for more positions. It was finally in XXXX of XXXX after my savings was depleted and the couple jobs I worked didnt bring in enough that I contacted Wells Fargo who we pay our mortgage through to let them know I am going to be experiencing a financial hardship and what can I do ahead of time so that I dont mess my credit up and have to go into foreclosure. They sent me to a department where I make smaller payments but they still marked me as late payments which I feel does not reflect my character and my financial habits which I am very responsible. Thats why I reached out to them ahead of time. I feel that under the circumstances I should have the derogatory mark on my XXXX score removed so my score can improve. I am purchasing a business with up money Ive saved up and would like to apply for a business credit card but dont want to apply until I know that once my credit takes a hard hit that it will be worth it.

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 2020-07-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX  XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I need some help with my credit file there is a issue with my information not being correct. I am applying for a new job and need the right information reported on my file. My correct DOB is XXXX my correct SS is XXXX. 
My current and only employer : XXXX  XXXX XXXX XXXX. 
PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
have received several phone messages from a phone number starting with area code " XXXX, '' both at my personal cell phone number and at my direct work line. I have not returned any messages as each voicemail was extremely vague and was suspicious. Today I received a memo from a co-worker to return a XXXX XXXX 's call at XXXX XXXX. I returned the call immediately, the phone was answered with the salutation " loss mitigation, '' and I asked for XXXX XXXX. XXXX XXXX came on the line and said he had to " gather some paper work for a complaint lodged against [ me ] '' with claim number XXXX ( I wasn't able to get the rest of the numbers and he did not repeat them when I asked ). He said he was from the legal department of a company called XXXX and wanted to verify my identity, he then proceeded to read out my entire social security number and my address and said " is this you? '' I was completely flabbergasted at this company 's lack of information protection practices and XXXX continued to badger on through the conversation and said " good, this is you. '' He then said they were retained by LoanMe regarding a debt I had and a judgement they wanted to pursue against me. I was not able to get a word in edge wise because XXXX continued to talk over me in an extremely threatening manner, he also mentioned a company called XXXX XXXX which I wrote down but again, he was talking right over me and would not repeat anything I asked him to, so I have no idea what he said regarding that company. I advised XXXX to please have LoanMe proceed with any legal proceedings they deemed necessary and asked to please not be contacted at work. He then proceeded to threaten me and said that my work was already involved because I would be garnished 25 % of my pay, along with several other threatening tactics meant to intimidate. He then terminated the phone call after saying that " If all [ I ] wanted to do is argue, [ I ] could end the call. '' I am extremely disturbed by these collection practices which are so far beyond illegal and would like this to end immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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 act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 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 2020-07-13 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 act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 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 2020-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX  is showing delinquencies that are not factual, from a house that I use to own at XXXX XXXX XXXX XXXX XXXX CA. XXXX. Bank of America sold the loan and did not forward the funds in a timely manner to the new bank and it was reported as late. I paid both banks on time but it is damaging my credit by not being reported accurately. I have sent a certified letter explaining this to XXXX  and asked them to research and respond over 20 days ago I am still waiting to hear from 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 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc.
State: PA

Complaint narrative:
-continuously after receiving cease and desist letter phone calls every 3 days -validation of alleged debt is not received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
I am a XXXX male attempting to buy the house that I have rented for about 8 years total. When the loan process began I was told the closing costs ( cash at closing ) should be close to about {$3400.00}. At the time I had about that much. Over time the amount needed at close got to be closer to {$6000.00}. A week or two before the XX/XX/XXXX closing date I was asked my race ( XXXX ) and then they began asking for documents they already had. For a second time I submitted all the same documents. I have screenshots of all of these. They requested a " gift '' of {$4000.00} even though I had {$5500.00} in the bank. At one point I had {$6500.00} in the bank and all I needed to close was {$5700.00}. They said they could only verify XXXX of the money that was in the bank even though I submitted paystubs as well as bank statements to show proof of the money coming in. In addition, some of the funds were a tax refund and a stimulus payment which a portion of those were taken from another account which I showed the statement from that XXXX XXXX  account to prove that as well as screenshots from the GOVERNMENT with dates to prove that was where those funds came from. I have worked as a XXXX XXXX since XXXX. They acted as if I just started my job a few months ago which is incorrect..I have been there since XX/XX/XXXX and worked for XXXX XXXX for 3 years prior as a XXXX XXXX. I feel like they should not have said " pre-qualified '' and even though I paid down all credit during the application process and my score steady dropped thru the covid season due to Quicken checking my credit multiple times and then as I am a XXXX XXXX I use my credit card over the road and pay my card off monthly ( usually ) and the score still dropped from good to fair ... that shouldn't have affected my ability to close. They claimed it was my 'verified funds ' that was stopping me. Also the appraisal was done by a market analysis and I believe {$500.00} from XXXX some information is also unfair! This house is definitely worth much more than that. But no one would know this being they never came inside.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NV

Complaint narrative:
I have never had any signed contracts with these collection agencies and they also do not have a legal practice for the State of Georgia. I don't have any recollection of this debt of Contract Callers {$400.00} It violates my Consumer Rights according to XXXX  practices that my personal information was given to these above listed companies.

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 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has refused to delete a fraudulent inquiry that has been on my credit report exceeding a year. The company XXXX XXXX XXXX XXXX XXXX has contacted Transunion on 3 or  4 occasions in regards to to the removal of the fraudulent hard inquiry XX/XX/2019 and again, no removal of the inquiry. I have forwarded the letter on several occasions that XXXX provided me requesting for Transunion to remove and they still have yet to delete 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 2020-07-13 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: TX

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: OH

Complaint narrative:
My name is XXXX XXXX  XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I need some help with my credit file there is a issue with my information not being correct. I am applying for a new job and need the right information reported on my file. My correct DOB is XXXX my correct SS is XXXX. 
My current and only employer : XXXX  XXXX XXXX  XXXX. 
PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX The following numbers are not mine please delete : ( 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 2020-07-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX  XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I need some help with my credit file there is a issue with my information not being correct. I am applying for a new job and need the right information reported on my file. My correct DOB is XXXX my correct SS is XXXX. 
My current and only employer : XXXX  XXXX XXXX  XXXX. 
PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX The following numbers are not mine please delete : ( 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 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Not letting me link account to XXXX  appp

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TX

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 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 2020-07-13 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: TX

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 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 2020-07-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXXDispute OFFICE OF THE ATTY GENERDispute XXXX/XXXX   XXXXDispute XXXX XXXX  XXXX/XXXXDispute XXXX  XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute inaccurate of not mine

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 2020-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank has stopped connection to 3rd party websites to help with accounting services, XXXX for example. This has been an issue since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I was approved for equity line of credit from XXXX XXXX  i am being charged XXXX dollars ad other fees when i paid them off no balance I feel they take advantage of consumers financial needs they took a payment when it was not my pay day i had to pay bank fees and that was never refunded was all teller mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I have no recollection of this company nor how they received my personal information. This violated my consumer rights according to FICO. I have not received any documentation from this company and have nothing to furnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
Around XX/XX/2020 I needed to get my mortgage payment ( with Cardinal Financial ) in asap I had money orders that I originally got and was going to mail out, however I noticed that the if I mailed out my money order it would not get there on time. So I called the 877 number that was provided and was told by the rep I can do a XXXX XXXX payment she provided the code to send it and that I would be okay and on time for my payment in XX/XX/2020. Then a month or two passed and I received a late payment notice from Cardinal stating I never paid for XX/XX/2020. I called and told the rep that I have proof of all my documents showing that I paid my bill on time, I faxed in all the info, then went to the money order place the is located in a store that they sent the money order to the company but had placed it for a person to pick it up, the store manager wrote on the receipt that this was the stores fault and that I paid on time, I provided this document to Cardinal and then found out it hit my 3 credit bureaus and my parents credit and dropped when I was on time for my payment. I had spoken to a lawyer with XXXX XXXX and my lawyer sent them documents but still nothing has been done. Now each month I make my payment every other week when I get my payroll check so that I am ahead each month now they are sending me bills stating I am late or they have not received payment for so and so month. Then I call the 877 number and the rep explains, I see you made 2/3 separate payments and the dept who handles this noted that the payments were pending and not applied as not a full payment received of {$1100.00}. I told the rep can I speak to manager or supervisor and they stated none is available, so I explained no matter the times, date or if it is a partial payment I am paying through my online banking way ahead before the XXXX of each month through my XXXX XXXX online Cardinal Financial should be applying the payment to my account no matter what not placing it as pending or hold cause it is not in full. So now I have been getting charged late fees, my credit and my parents credit has dropped when all of this is none of our faults. I have proof for all the payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My auto pay is Not being credited, showing late? Then get fees? Only get automated phone an never able to speak with a REAL Person, just closed account. I suspect Citi Bank scamming customers like me through my Best But card without showing payments made an charging made up an Trumped up charges through bogus Fees like late payment an Interest? I'm on Autopay, Really?! Given them {$400.00} dollars in last month an I'm still in arrears?! This has got FRAUD SCAM written all over IT!

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