vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: MO

Complaint narrative:
On XX/XX/2019 I received a hard inquiry from the company XXXX XXXX that did not belong to me. I reached out to the company and they sent me a letter stating after further investigation that the inquiry was not mine. They also stated that Equifax could not remove the inquiry but yet change it to a soft inquiry. I've sent paperwork to them as well as XXXX XXXX. When I spoke with Equifax they told me they could not remove the inquiry. This inquiry was not me and I do not want it to remain on my credit report. I've had a similar experience with the company XXXX and it was removed with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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. XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$610.00} XXXX XXXX   XXXX {$210.00}

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 2020-07-14 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 credit karma 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. XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$610.00} XXXX XXXX   XXXX {$210.00}

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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/2020, I have been notified by 2 mortgage companies when applying for a loan that Experian is not allowing access to my credit files. In working online on their website, it is impossible to contact them except by phone or mail -- no online contact. In using the phone, no matter which number I call and which option I choose, I always get a robo-answer as to what services are available, then a curt 'Goodbye '. Can not get any further by using their phone option. 
At some time in the past, I asked for and received a " CreditLock ''  on my files -- differing from a " Credit Freeze '' -- this is what is causing my problem. I need to lift the CreditLock but am unable to access their system using their online instructions to contact by phone. 
Twice now, I have had problems with mortgage banks trying to access my credit information and now have been denied a refinance opportunity by XXXX XXXX XXXX XXXX due to the inability to get to the Experian information. 
Experian will not let me delete the CreditLock by following THEIR instructions. 
Need some help from them, please.

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 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Our company, XXXX XXXX XXXX, XXXX, is a XXXX XXXX XXXX XXXX. We handle closings of real estate transactions on a daily basis. On XX/XX/2020, we closed the purchase and sale of a property that had an existing mortgage from XXXX XXXX  to be satisfied with the closing funds. As standard operating procedure, our paralegal for the closing initiated the wire of {$550000.00} to satisfy the XXXX XXXX  mortgage. However, our office email accounts had been hacked and she had unknowingly been provided with fraudulent wire instructions. The money sent to satisfy the XXXX XXXX   mortgage was instead sent to Capital One. A representative from Capital One called us on XX/XX/2020, to notify us that the money had been received by Capital One, but they were questioning the origin of the wire. We immediately requested the return/recall of the wire, but Capital One refused our request. We've since been required to communicate with Capital One through our bank, XXXX XXXX. Neither XXXX nor Capital One has given us any indication of when the funds will be returned. 

This incident occurred over four  weeks ago and we still have no indication of when it will be resolved. Our office is a victim in this transaction, but we are not receiving any guidance from Capital One about the status of the funds that they received. We need Capital One to expedite the recall of the funds so that our client 's XXXX XXXX   mortgage can be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX Someone Hacked My Western Union Account Which Os Connected To My Capital One Debit Card, And Sent Money To Various People, I Have Contacted Capital One And They Have Denied My Claim After I Sent Proof Of My Police Report & Prior Transactions From Western Union..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
We sent a payoff check with confirmed delivery on XX/XX/2020 and they have yet to process it as of XX/XX/2020. Every time they are contacted via telephone, they tell us to wait and that it is in processing. The date of the first payment was coming due ( XX/XX/2020 ) and we were getting worried, so we sent them a message in writing through the online account. They claim the check was never received via writing and now refuse to communicate in writing only sending a form message telling us to call every time we send a message. We are looking at additional fees now to pay off the loan ( stop payment, postage and signature confirmation ). Any reputable company would apologize and try to attempt a resolution. Extremely poor customer service on Santander Consumer USAs part. Please help us get away from this terrible company and help spread the word so other consumers are not financially impacted by their poor business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 60 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

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 2020-07-14 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: FL

Complaint narrative:
A few months ago I received a bill from a collections agency, XXXX XXXX XXXX. I began calling them to inquire about the nature of this bill for {$1800.00}. 
Over the phone, they said its for your apartment and I informed them that haven't had an apartment since XXXX or XXXX and that I didn't owe anything to them. 
I am a XXXX XXXX and I lived in Grandparent 's property rent free to XXXX  for them for more than 10years.. I sent a certified letter in XXXX to the company asking them to provide me with details- who the bill is from, when the bill was created, signed documents with my signature, a lease agreement, etc. I got nothing. I then XXXX  and reached out to the apartment complex they were naming where the property manager stated that there was no information with my name on it and that I needed to contact XXXX XXXX again. 

XXXX XXXX sent me a letter dated XX/XX/XXXX asking ME for more information and said that they have yet to find sufficient evidence to validate my claims. They said that if I provide more information that helps my case, they will delete the items from the bureaus. I don't even know the details of this charge so I have nothing to send. They also provided me a copy of a bill where they put my current address, XXXX XXXX XXXX on it. I have lived here for 3 years and I don't pay rent, the home belongs to my Aunt  so there is no way I could owe for here. Prior to this, I lived in XXXX, GA. 
I then sent letters to the bureaus asking how they validated the info and they replied saying " It was verified '' with no explanation as to how. My complaint is against the credit bureaus who have failed to remove the item and failed to prove how they verified the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
absolute resolution called me to collect a debt the person on the phone told me they was a lawyer and they gave a description of the things I owned and how much money I made I am retired they threatened to take me to court and take all my possession I tried to negotiate a resolution they told me i have to pay the full amount i believe this company in a law firm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My XXXX XXXX XXXX  account has been charged off. They attempted to sue me and that lawsuit was dropped after I disclosed my financial status. This account is no longer on my credit report. I do not have the entire account number but the last four digits are XXXX. 
Amount owed is {$1900.00}. This account was acquired in 2011 by Portfolio Recovery. 
Portfolio Recovery has been has been trying to collect this debt. There are making harassing phone calls. They are also trying to collect a debt from XXXX. I have never had a XXXX account. I have disputed the XXXX account with them. 
I would like the calls from Portfolio Recovery to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 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: FL

Complaint narrative:
Dear CFPB Staff. 

I am writing you concerning the anti-consumer behavior of Capital One 's call center staff over a legitimate dispute I have with a merchant. 

On XX/XX/XXXX I was informed by a Supervisor level staff member at Capital One on how to write and upload a letter clearly stating that a merchant 's response to our case was Invalid, and that the credit on my credit card account would be returned by Monday XX/XX/XXXX. 

It was not. I called again yesterday XX/XX/XXXX XXXX. I first spoke with a base level phone rep who after putting me on hold quickly tried to get me off the phone in a shady manner. It was clear he was trying to dodge around the fact they had no intention of honoring anything that had been guaranteed to us way back on XX/XX/XXXX, even very quickly muttering both the conversation with the supervisor on that XXXX and that she had stated that in an attempt to quickly skip by it and get us off the phone! 

I then demanded a supervisor. The supervisor stalled us keeping us on hold making me have to stay up until XXXX! 

It is clear the ( suppose ) Supervisor stalled and hanged up on us intentionally. And the first phone rep that day had confirmed our call back number in their system in case we get disconnected, as there was no call back attempt, no email follow up, nothing. 

We still have not received the almost {$480.00} in merchandise and Capital One 's overseas employees are causing them to break the obligations to American consumers required by law. 

We do not directly blame Capital One, but we request your assistance in helping us reach the higher channels of Capital One so they may be aware of this anti-consumer happening so that they may launch  an investigation and immediately credit us as promised as all has been provided as requested and guaranteed by their staff. 


Sincerely, An overall happy costumer XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 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 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. DEPTEDXXXX   XXXX {$430.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
3-month forbearance granted - I vacated apt in TX and returned to property to effect repairs and finagle shelter for myself. My school shut down indef due to covid ; tenants in property both lost their jobs due to covid and I helped them by letting them out of their lease. Property highly desirable as rental - I just have to get my alternative shelter plumbed and inspected. WF promises that " we are here to help '' - but website does not offer the form they require, operator is never available, and agents ' VM boxes are all full. I am overnighting handwritten letter to WF. I will attach herein if I can.

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 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I want to use the app XXXX  to automatically withdraw money from my checking account in order to save it. Periodically, XXXX will withdraw small amounts of money from my checking account and place it in a savings account. Recently this has been blocked. I would like to unblock it so I can use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: MI

Complaint narrative:
About the middle of XXXX I called XXXX XXXX regarding a annual subscription charge of {$190.00} on my Capital One Charge card. I asked them to cancel my subscription and to refund the charge back to my credit card. They said that was not a problem since I called within 30 days of the charge. When I did not see the credit on my statement I called them back and they said their records showed the credit back to my credit card account on XX/XX/XXXX of 2020. I then called Capital one to see if it had in-fact been credited back to my account and they said it had not, so at this point I filed a dispute with the credit card company. The credit card company gave me a credit back to my account and then charged the money back to my account saying that I did not provide everything that they had requested. It took a while to find out what they needed to credit my account for the {$190.00} and when I did manage to get an Invoice and letter from XXXX XXXX showing that they did credit my account and sent it to the credit card company they said that they would not accept it as the original deadline was in XXXX and Mastercard would not allow Capital One an extension to the original deadline. 

Contrary to the above, I was told on XX/XX/2020 that if I attached the invoice mentioned above in a link that they emailed to me on XX/XX/XXXX they would use it to credit my account the {$190.00}. 

On XX/XX/XXXX I received a letter from Capital One dated XX/XX/XXXX saying they were closing my case and not refunding the charge. When I called to find out why, I was told the information needed to be sent to them before the original XXXX deadline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a statement to which I didn't recognize a charge. I spoke to Macys in regards to this matter. They advised me to fill out the attached document which was faxed back to them. 
They also informed me that I would not have to pay while it is under investigation. They said they will advise me of the outcome. I made sure all my information was updated. Since I was advised not to make payments on this until it is resolved I did not make payments and never heard from them so thought it was taken care of. If they came back showing that I owed the money I would have paid them. 

In the beginning of XX/XX/2020 I went to apply for a refinance, I noticed that Macys is reporting my account as past due and delinquent. I have never been contacted by Macys or heard from them in regards to this matter.

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 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XXXX of XXXX. I could not log into my Venmo account. I knew my password and it did not work. So I tried forgot my password and it said we will send you an email to reset. However I never received these emails. 

Months/ maybe a whole year later, I opened a new Venmo account and used it with no issues Two weeks ago I received a phone call saying that theirs charges from XXXX on my account and I owe XXXX . I  said it was not me. Went over the charges and said I do not know the person they were sent to. 

Today I received a phone call that my claim for fraud was denied and the Venmo collections department was calling to collect XXXX $ from me. I reiterated it was not my expenses and it was fraud. I asked to speak to the fraud department and was told they don't have a phone number and I can't contact them. 

I have sent numerous emails in the last 2 weeks and have not gotten any response. 

I looked back in my email and see a " new device was added to my account '' on XX/XX/XXXX in XXXX NY. About 2 hours away from where I live. 

I did not authorize the charges and therefore don't believe I should have to pay them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 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: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY :

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 2020-07-14 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: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY :

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