vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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:
Someone has stolen my identity and added accounts to my credit history I don't even know of. I am not sure how but I am determined to get this resolved because I am on the verge of losing my job! All because someone somewhere is acting as me or impersonating me somehow. I did not consent to any of these accounts and will like them removed immediately!

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 2020-08-11 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-11 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:
Someone has stolen my identity and added accounts to my credit history I don't even know of. I am not sure how but I am determined to get this resolved because I am on the verge of losing my job! All because someone somewhere is acting as me or impersonating me somehow. I did not consent to any of these accounts and will like them removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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:
Someone has stolen my identity and added accounts to my credit history I don't even know of. I am not sure how but I am determined to get this resolved because I am on the verge of losing my job! All because someone somewhere is acting as me or impersonating me somehow. I did not consent to any of these accounts and will like them removed immediately!

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 2020-08-11 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 am upset to have learned that my credit and personal information has been used for fraud and activities I have absolutely no knowledge of and I would like this to be situated as soon as possible. I am unable to get a credit card because it appears that I have had one when I didn't. Please aid me in removing these false accounts from my credit history.

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 2020-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
I am attempting to extend a COVID-19 forbearance on a VA backed mortgage that is being serviced by Caliber Home Loans. I attempted to request an extension through their online website and received a message that they were unable to process my request and that I would need to call their phone number. I have previously notified Caliber Home Loans that I am unable to speak to them on the phone due to a XXXX that impacts my XXXX  abilities, and requested that any communications between us be by secure message, email, or postal service. I also asked them to suspend collection calls, and they have not honored that request, calling my phone after I submitted that request, sometimes multiple times a day. 
I sent a secure message to them asking as to the status of my request on XX/XX/XXXX and have yet to receive a response. I also reminded them of my prior requests to communicate by written means. I have not yet received a response to my concerns, although the automated reply said to expect a reply within five business days. 
In my previous communications with Caliber I feel that I have explained my need for reasonable accommodations very well. Caliber has not shown any willingness to work with me on this issue, or even meet me halfway. It is my intention to stay in my home, this being my primary residence and this lack of communication on the part of Caliber Home Loans is exacerbating an already difficult situation. I have also explained that I am working with a person at the VA who can act as an intermediary between myself and Caliber Home Loans, and provided her contact information to them. They have been unresponsive to her as well. Considering that I am at risk of foreclosure and attempting to do a loan modification, which is a very involved process that necessitates communication between both parties, I am concerned by the lack of communication on the part of Caliber Home Loans, and especially that they are not respecting my requested method of communication. I am asking the CFPB to assist me in reaching a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 have been a victim of Identity theft. I was apart of the data breach with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: FL

Complaint narrative:
I have a loan with CONCORDE AUTO ACCEPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CONCORDE AUTO ACCEPT with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-11 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: FC HoldCo LLC
State: FL

Complaint narrative:
I have a loan with FLAGSHIP CRD, XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FLAGSHIP CRD, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Denied credit card by letter of XX/XX/20 stating " Small business credit application 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 non-monetary relief
Consumer complaint received 2020-08-11 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: U.S. BANCORP
State: KS

Complaint narrative:
Since XX/XX/2017, I have attempted to dispute fraudulent charges on my credit card with US Bank. In violation of FCBA, they did not conduct a thorough investigation nor provided proof of the investigation or results thereof. Since then, the credit card company has routinely reported the negative information to the credit bureaus, even during subsequent investigation requests, in violation of FDCRA. 

Referencing CFPB complaint XXXX, the credit card company has still to this date refused to provide any documentation of the alleged investigation conducted as a result of the fraudulent charges. 

In addition, the credit card company has since blocked my account access as well as access to all statements of the credit card as a method pf preventing me of conducting my own investigation. I provided documents charges took place in various other states in which I did not visit nor reside, yet this documentation was clearly ignored.

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 2020-08-11 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: Granite Edvance Corporation
State: FL

Complaint narrative:
I have a loan with XXXX XXXXXXXX, GRANITE STATE MANAGE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX, GRANITE STATE MANAGE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-11 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 have been a victim or identity theft and my information was compromised in a data breach with 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 2020-08-11 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 am upset to have learned that my credit and personal information has been used for fraud and activities I have absolutely no knowledge of and I would like this to be situated as soon as possible. I am unable to get a credit card because it appears that I have had one when I didn't. Please aid me in removing these false accounts from my credit history.

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app is refusing to give me access to my account. I keep telling them i did not unlink the account. I would like to just withdraw my funding which is about {$3200.00}. 

If i cant do it i feel like they can withdraw it to the bank on file or send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 have been a victim of identity theft and my personal information was compromised in a data breach with 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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I'm trying to obtain a debit card for my child and unable to link my account to the actual debit card so that she has access to funds. I was provided and directed to this link to file a complaint in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Mail fraud I am using this to report on-going chain mail fraud and harassment mailing ( see attachments XXXX ) all Wells Fargo correspondence is sent via electronic means. I dont receive or have approved any mailings. See below. Attached are photos of the envelopes and mailings. Just some, I threw most of them out. Please investigate, I have lost {$200.00} because of this. Thanks. Under zero circumstances any correspondence is to be shared with XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX or any other attorney 's of XXXX, XXXX, XXXX. 


-Logos on the envelopes are ill placed and the lettering is not appropriately sized -They are using a Newspaper and advertisement black and white print logo, not the exact tone match. 
XXXXThe Watercolor logo is not embedded, but printed. 
-Addresses keep changing -Black and white not in color as per the general Wells Fargo mailing -Cheap paper -Double sided printing

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
This issue if directed to Paypal. 

On XX/XX/2020, I purchased services from XXXX XXXX for the amount of {$15.00} ( Transaction XXXX ). This purchase was for 1 Month ( 30 days ) of server hosting. 

On XX/XX/2020, all servers went offline. According to announcements in the official XXXX XXXX Discord ( messaging service ), the CEO went " missing '' and none of the server bills were paid. Over the next few hours/days the company 's remaining staff alerts everyone to cancel reoccurring billing and eventually sends off refunds. 

Before this happened, I had opened a claim with Paypal but once I heard the news that refunds were being sent out, the dispute was closed. It turns out that all the refunds were eventually rejected by Paypal for an unknown reason ( theories float from there being no money in the account to Paypal restricting their ability to refund wronged customers ). 

I then reach back out to Paypal who tells me to try to work it out with the company ( who is out of funds and who's CEO has run off ) to try to get a refund again. The company is no longer issuing refunds as the remaining staff has done all they can. I CAN NOT get a refund from this company, everything that could be done from their end has been done. ( SEE SCREENSHOTS ). 

Paypal continues telling me to work with the company, I tell them that I can not. I tell them that the company does not have any way to come to a resolution and they then tell me to work with my credit card/bank. That would be great BUT the purchase was used with Paypal funds. I can not go to a bank or credit card company and file a dispute because Paypal funds were used. They are my last resort and all they wish to do is push me from rep to rep without a solution. They continuously cite that their system won't allow them to help me even though I've very possibly been scammed of my money. ( SCREENSHOTS INCLUDED ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient student loans have been collected interest payments from my parents since XXXX. In my best ability to contact them while on XXXX XXXX orders serving in XXXX I had my mother send them my contact information. They never contacted me via gov email, personal email, or phone. Between XXXX and now they removed my father ( co-signer and retired 100 % veteran ) off the loans, credited him {$600.00} and made my mother, XXXX XXXX the beneficiary. After a security clearance alert, I contacted Navient directly. They told me they sold my loans off and had no idea I was XXXX XXXX. I commented that the information they provided me was predatory, lacking in my self awareness, XXXX XXXX needed to be continuously updated. When I questioned why my father was removed and not forgiven for several loans, they told me to refer to the collections. Navient purposely and willfully, attempted to collect a debt both illegally and without true transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Conn's, Inc.
State: CA

Complaint narrative:
To whom it may concern Ive had two delinquent accounts that I paid in settlement back in XXXX of 2019 Ive been challenging these items with the credit bureaus to only have them come back with the account showing I still owe and its several months past due Ive called numerous times to try to resolve this matter but Im always referred to a third party collections agency to only be told they dont even have that account Ive got nothing but the run a round so Im seeking help

Company response to consumer: Closed with explanation