vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 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:
My information has been compromised and I believe it is from the XXXX data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.

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 2020-01-09 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:
My information has been compromised and I believe it is from the Equifax data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
My mortgage was briefly held by XXXX XXXX. On XX/XX/XXXX I received a letter with the date in the heading of XX/XX/XXXX which stated, " after XX/XX/XXXX, all correspondence you receive will be directly from SLS. '' I had already sent in my XXXX, XXXX payment. I confirmed with XXXX that the payment had been applied but, when I went to the SLS website to set up a login, the site I was sent to alerted me that the site was unsecured and may be attempting to fraudulently obtain my information. 
If I am going to be required to enter my SS #, as the XXXX rep stated I would, I am not going to do so through an unsecured site. I looked the number for SLS up which had a high scam alert and there are many complaints online about SLS mishandling payments. What recourse do I have?

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 2020-01-09 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-09 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:
These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I noticed unusual activity on my paypal account I contacted my financial institution immediately. I then contacted PayPal to verbalize that the transaction was not authorized and it was considered fraud. I changed my past word and closed my bank account per the recommendation of my financial institution. I was informed by pay pal that this was an authorized transaction and they refused to dig deeper to assist me with this ongoing issue. Today the negative balance still remains on my account and I can't use my account for business purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
i have been a victim of identity theft and have been working on this for several months. I have been disputing an account on my credit report from a XXXX with Equifax and have sent several certified letters. They keep stating that this account has been verified which it can not be verified when its not mine. i am now to the point of a lawsuit agaist them if its not deleted. this is my 6th attempt and every time I attempt to dispute it with Equifax I get a updated but not deleted! the can not verify a fraud acct unless they are crooked theirselves. I need the original contract signed so I can prove that this is not mine Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My father who is XXXX veteran sent me money via venmo for his emotional support dog but sent it to my old venmo account. I have reached out to venmo on sunday and it has been 5 days and they won't let me gain access. the account clearly is mine. i have the email and password i just can't use the two step verification because it's an old phone number. 

old venmo account XXXX  XXXX new account XXXX XXXX this is insane. i need the money to help my father

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I went into my bank account to check my statement and noticed that my credit card was over it's limit. I knew I had not made any payments to go over the limit so I checked my account details. Turns out on XX/XX/2020, 10 different payments were shown on my account all in different states and cities adding up to almost {$6000.00}. The payments started at {$980.00} and then 9 other payments around {$480.00} all for different companies and all in different cities/states. Looks like the account reference number is the same on most of those accounts. The payees are all different, and most look like they are fraudulent companies. I NEVER got a notice from the fraud department. I never got a call, email, any notification. I have never spent {$6000.00} in one day for as long as I have had my credit card, and most of the cities these transactions were in I had never been to. I was shocked that I had no one from Wells Fargo help me or notify me before I noticed it myself by chance. I called Wells Fargo and received terrible customer service as I was frustrated and upset at the situation. They canceled my credit card, said they would send a new one the next day, but I won't receive my money until the claim is settled by the investigation which would be from 2-10 business days. I am unsure of what to do, and feel like I got no help.

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 monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Wednesday XX/XX/2020, I attempted to log onto my Bank of America App to check my balance. There was an error message saying that I was not eligible for online banking and gave me a number to call. ( XXXX ). I called and was told that my bank account was in the closure process and that I would not be able to access my funds. I stated that there was no notice sent to me and was told that per the deposit agreement, they were not required to give me notice but that a letter had been sent that same day. I was told the they would send me a cashier 's check with any money that I had in the bank but that may take a month to process. I was told that if they submitted an exception request I may be able to pick up the money at a local branch but it would take at least 5 days to process and there was no guarantee. Because I was not sure if this was legitimate, I refused to provide information and stated that I would go to a branch to speak with someone. This morning, Thursday XXXX, 2020, I went into a local branch. on XXXX XXXX XXXX XXXX, NC. I first spoke with a teller who told me that the number that I called was not the correct department. She provided another number XXXX. I stepped outside of the bank and called and was basically told the same thing. I explained that all of my accounts were tied to the BOA account and that I had bills that would become past due because I was not able to access my money. I also have expenses that I handle for my mother such as medications and insurance. He stated there was nothing he could do. I went back into the bank and spoke with one of the Bankers. She printed my transactions and neither of us saw anything out of the ordinary. So, she called for me. She explained the situation, they would not give an explanation but stated that they would lift the restriction so that I could withdraw the money that I currently had in the account. I was also told that I would not be able to bank with BOA again. My account has remained in good standing since it was opened. I have been with BOA for several years. My concern is that there is something erroneous or some type of fraud on my records that would hinder me from opening another account. I now have to remove this bank account from all of my accounts so that I do not receive fees for returned payments. I also have to try to open another account so that my payroll check can be direct deposited or cashed on the XXXX of the month. I understand that BOA is allowed to make business decisions as they see fit but, doing so without notice and without explanation causes undue stress/emotional distress and could potentially ruin a person financially. I have not received a letter and was told that if I did, It may not contain a reason for closure.

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 monetary relief
Consumer complaint received 2020-01-09 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:
These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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:
These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
Received repeated phone calls from a blocked number. They finally left a message and asked me to call a phone number. They even called a family member and stated I was being taken to court. When I called the number back, I spoke with someone who said she was with XXXX XXXX  and I was being sued for a debt from 2015. She had some personal information of mine including my social security number, but the bank account she mentioned as not mine. I never had an account with that bank. She said I was going to be taken to court if I didn't pay today. I told her I would not do anything over the phone, that she would need to send something in the mail. At this point she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I rented an apartment at XXXX XXXX XXXX in XXXX XXXX, California. The leasing agent, XXXX, who represented XXXX XXXX XXXX took {$800.00} of mine stating it was for XXXX cat fees of {$400.00} each cat and deposited it in her personal account as told to me by a detective in the XXXX XXXX Police Department. The eviction notice was also tampered with because my copy stated the day before the sherriff 's office copy resulting in loss of property. I contacted XXXX XXXX and they refused to respond. They sold this to Genesis Credit Management LLC and there is {$11.00}, XXXX that they state I owe for breaking the lease. I can gaurentee you that apartment was rented less than 1 week later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My name is XXXX XXXX, and my phone number is ( XXXX ) XXXX. 

The following email contact XXXX XXXX XXXX with the phone number XXXX needs to be reported as fraudulent. 

They posted an ad on XXXX for a golden retriever puppy, and we emailed them about it on XX/XX/XXXX using the email XXXX. 

XX/XX/XXXX we received a reply through XXXX that they wanted to get the puppy to us ASAP, and all we had to do was pay {$300.00} to the shipping company, XXXX XXXX XXXX XXXX. We got suspicious when the began to tell us we had to " hurry '' to get them the money, and through PayPal under my email, XXXX XXXX XXXX XXXX, I sent it as a business transaction. They told us we must not send it as a business transaction on PayPal but for " Family and Friends ''. They continued to tell us we needed to rush, and the emails they sent had very incorrect grammar and structure, so we got suspicious. They then told us that the puppy, flying in from CA, would be there by XXXX when we were talking to them at XXXX in GA with the package weighing only XXXX for a XXXX week old puppy. From there, we did not send the money again because we realized this was a scam. We need to get our money back and make sure the " Business '' transaction does NOT go through via PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
They have been harassing me for two years. Over a {$250.00} medical bill from XXXX XXXX XXXX XXXX XXXX that I can not pay because I am XXXX. They have asked me questions/said comments such as where does your money come from? Cant you ask a family member or friend to pay it? How do you pay your bills if you are XXXX? Can you take out a loan or sell something of value? Thats just a few of the unlawful things they have said to me. 

They have called me up to 8 times a day sometimes, sometimes at XXXX, sometimes in the middle of the day, and sometimes late at night around XXXX. 

THE BIGGEST COMPLAINT : they have for the last 6-8 months removed the debt from my credit report and then move it to my husbands credit report ( which I NEVER gave them his info! ). Then they will take it off his and move it back to mine. MANY TIMES! I have proof of this! 

YOU HAVE TO STOP THEM! They are abusive and harassing and should be shut down. I have contacted the original biller at XXXX XXXX XXXX XXXX XXXX and they said they can not help me. 

PLEASE STOP THEM! They are ruining my credit and my husbands ( which they were NEVER GIVEN PERMISSION TO DO & I NEVER GAVE THEM HIS INFO! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I use to have a Cabela 's Visa credit card in which I set up a annual recurring charge with XXXX for XXXX XXXX. Cabela 's was sold to XXXX XXXX and XXXX XXXX decided to use Capital One as their Visa card company. When my Cabela 's card expired, Capital One sent me a Visa card in the mail. I called Capital One and told them I did not want their card and that I was going to destroy the card which I did. Later I kept getting emails from XXXX stating that my XXXX XXXX subscription was expiring. I then paid the subscription using XXXX and another credit card in XXXX. In XXXX I receive a credit card statement from Capital One showing a balance of {$99.00} on a card that I did not have. On XX/XX/XXXX, I called Capital One and ask how XXXX could charge me on a card that I never activated and they stated that if a merchant contacts XXXX, that XXXX will give them the card number. I told them that in my opinion it was fraud since I never activated or have used the card. They told me to contact XXXX customer support to see if XXXX would issue me a credit for {$99.00}. In called XXXX and explained my situation and they told me to contact Capital One and have Capital One start a fraud investigation. They also gave me a reference # XXXX to give to Capital One. I called Capital One and they said that they would start a fraud investigation which would take about 10 days to completed. On XX/XX/XXXX, I called Capital One 's fraud department to check on the status of my fraud investigation. The rep I spoke to told me that Capital One had not issued a fraud alert on the {$99.00}. He then stated that he would issue one himself and I should hear something in 10 days. On XX/XX/XXXX I received a letter from Capital One stated that my fraud complaint has been resolved. On XX/XX/XXXX, I received another letter from Capital One stating that they have found no evidence of fraud and that my account would be adjusted. On XX/XX/XXXX, I received a credit card statement from Capital One showing the {$99.00} charge. I called Capital One on XX/XX/XXXX to see why I was being charged for something I did not authorize. Their fraud department told me that I was responsible for the charge which I disagreed and ask to speak to their manager. Their manager XXXX tried to explain to me that it was my fault and I needed to pay the {$99.00}. After a few minutes of arguing with her she finally said she would initate a three way call between myself, XXXX and herself. By coincedence, the XXXX rep was the same one I had talked to on XX/XX/XXXX. I went on to state my case and he agreed that I had paid the subscription on XX/XX/XXXX using XXXX. Three days later I am still waiting on a response from Capital One and XXXX about my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc.
State: FL

Complaint narrative:
1. Borrower originated the loan on XX/XX/2017. The first payment was due on XX/XX/2017. Hurricane Irma ( Category 4 ) struck Florida on XX/XX/2017. The Governor of Florida declared the entire state a disaster area.

2. Immediately following Hurricane Irma, Lender/Investor offered Borrower the Hurricane Irma Natural Disaster Forbearance plan.

3. Lender/Investor did not provide the Borrower with a Loan Modification after the completion of the Hurricane Irma Natural Disaster Forbearance plan as required by the program guidelines.

4. Lender/Inve

stor denied Loan Modification due to Borrower not making the minimum amount of payments to the loan. However, the minimum amount of payments was not made due to the first loan payment being due the same month as the Lender/Investor of

fer ed Hurricane Irma Natural Disaster Forbearance plan. 5. Therefore, Lender/Investor created a Default of the Borrower by not modifying the loan after the completion of the Hurricane Irma Natural
Disaster Forbearance plan. This refusal to modify the loan was in direct violation of the promise made by the Investor to provide hardship relief to the Borrower after the completion of the Hurricane Irma Natural Disaster Forbearance plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation