vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Since XX/XX/2020 we have been trying to get the final release of insurance claim funds from the escrow account with LoanCare mortgage company. We have completed the rebuild and passed the final inspection for the city and received the certificate of occupancy. After relaying this to LoanCare they have done nothing to help with the withdraw the last of the funds. Multiple times the inspections that we have requested have been cancelled by LoanCare, the reason i was told was because of COVID-19. When I called to inquire about the next steps we were asked to submit pictures of the  house in lieu of inspection. We have waited for responses, time frames have been changing on when we would get those responses from corporate. Then new requests have been submitted, they tell us they are expediting everything, but no progress has been made. Now I am being told that there is confusion between myself and the inspectors, but they said before they cancelled it. Finally another inspection was scheduled, I received a call Monday, XX/XX/XXXX from XXXX XXXX XXXX and they said I had the option to submit to a virtual inspection because of the current situation we are all facing. I submitted photos and received a message that the report had been submitted Tuesday morning, XX/XX/XXXX. I called the claims department to confirm and they told me that it is noted that I don't want an inspection. They had no information as to the final report submitted by XXXX XXXX XXXX. Every person I speak to as well as the supervisor I spoke to have all given me different information and now everything is changing and they are saying that I don't want the inspection, which is completely incorrect. I have called numerous times every week and they are not handling our funds within good faith. This has been going for almost 3 months, I've submitted pictures and the certificate of occupany, but there is no progress. we are unable to pay for services done to complete the rebuild because they will not work with us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social 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 form 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 2020-06-03 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 take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social 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 form 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 2020-06-03 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:
To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$720.00} XXXX {$340.00} XXXX {$530.00} XXXX {$430.00} XXXX {$720.00} XXXX {$430.00} XXXX {$1600.00} XXXX {$430.00}

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$720.00} XXXX {$340.00} XXXX {$530.00} XXXX {$430.00} XXXX {$720.00} XXXX {$430.00} XXXX {$1600.00} XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: PA

Complaint narrative:
We were unable to activate the card. The card was purchased so that my teenage son could safely purchase items/services online ( XXXX, digital content, etc. ). It wasn't until my son attempted to register the card that he encountered issues because he is not 18 or older. We have purchased cards before that did not require this age requirement. The packaging on this card did not indicate on the outside of the packaging that it required the purchaser to 18 or older. 

When we communicated the problem to NETSPEND we receive an automated email response stating that we would be contacted for follow up ( received XX/XX/2020 ). We have submitted follow up correspondence ( XX/XX/2020 ). We have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: AL

Complaint narrative:
I submitted an affidavit and dispute forms, I have been ACCUSED of using a credit repair company. I am already battling with these INACCURATE items that were put on my credit report. These accounts were clearly opened while i was XXXX. There was a security breach. I demand these fraudulent accounts be removed from my credit report within 30 days. I expect a response about my claim in 10 days. If I dont have a response in 10 days, i will be filing a complaint with The office of the Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 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: AL

Complaint narrative:
I submitted an affidavit and dispute forms, I have been ACCUSED of using a credit repair company. I am already battling with these INACCURATE items that were put on my credit report. These accounts were clearly opened while i was XXXX. There was a security breach. I demand these fraudulent accounts be removed from my credit report within 30 days. I expect a response about my claim in 10 days. If I dont have a response in 10 days, i will be filing a complaint with The office of the Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/2020 PNC prevented me from transferring money from my personal account to XXXX. They would not allow a linking of my account to XXXX for a financial transfer. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have been getting phishing emails from Equifax since I set up a monitoring membership with them in XX/XX/2020. I believe the emails are going to someone else 's XXXX first and then being forwarded to me. I am the victim of Cyberstalking and now Identity Theft. I have filed 2 IC3 reports and have tried to resolve the issue with Equifax with NO LUCK. No one will tell me the truth and I believe they can see what the issue is but are not telling me. All of this is putting me in a financial bind. 

I mean I am being violated in so many ways and no one is doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I cant connect my XXXX account. 

I was saving money very well using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}

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 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My wife and I have a joint account with CITI Bank. We received two checks. One from the IRS which was our tax refund and the other from The Small Business Assoc. We received a letter from CITI Bank stating that they are going to cancel our account in 30 days due to fraud. Im not sure if those checks are related to the closure or not, but we can not access the account, we can not pay other bills from the account, and we can not withdraw from the account. We have Excellent Credit, we have been in good standing with all of our accounts. 

We contacted CITI Bank and spoke with several representatives in the Fraud Department and Customer Service. We were simply informed the account is closed and they will not help any further and the call will be disconnected. They then disconnected the call. 

I would like to know ( Exactly ) why my account has been frozen. Why is it standard for every representative in the company to ignore my pleads for help when fraud  is detected? Why has the company failed at the most general level of Customer Service to provide me help instead of ridicule and mistreatment as if I am a criminal? Why would it take 30 to 60 days to give me back my money? Why was I not notified if there was an issue of fraud on my account, instead of notifying me, they simply closed the account. They have effected all of my businesses personal and professional. Below I have filed a complaint with the XXXX XXXX XXXX. If this Company suspects Fraud, then they should contact the FBI, or DOJ and have Federal Charges brought up against me. But they cant because we have done ABSOLUTELY NOTHING WRONG. I will supply whatever documentation needed to support this claim. Secondly, if they do not want to do business with me, then refund ALL OF MY MONEY. Waiting for my money for 60 days while it sits in their account and accrues interest is theft on behalf of CITI. I am FURIOUS! We are in the middle of a Pandemic and RaceRiots and we have XXXX dollars in our account because someone decided XXXX is to much to have in an account. 

This is in reference to your complaint against Citi. Your complaint was assigned ID # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GSF MORTGAGE CORP
State: WI

Complaint narrative:
I applied for a mortgage loan with GSF mortgage corporation on XX/XX/2020. I would be saving over .125 % apr on my loan that would be conventional loan. no cashout. no exceptions needed on my application. my DTI, CLTV, home type and assets meet all of their requirements. I was DENIED the right to even apply. they explained they did not pull my credit report which I will investigate as I submitted an online application. but XXXX XXXX said its not worth it to refinance for XXXX of a point and discouraged me to apply and move forward. I asked multiple times over a three day period up until today when they sent me an email saying they are not interested in completing a refinance loan for .125 % savings which add up to thousands of dollars for me over the longer term. if its because of my race that's un lawful. if its because of something not meeting policy I would understand but they REFUSED to take my business and I asked all the qualifying questions upfront. when I went to work with another advisor XXXX in their company also know and XXXX XXXX. they caught wind of it and XXXX my new advisor stopped responding. I started getting emails from XXXX XXXX again asking why I applied with someone else in their company even tho I kept working with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I can't link my PNC accounts to my XXXX account when I don't have a debit card so I have no way to acces the funds in my PNC accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax removed two fraudulent inquires from my credit report, but I was told by them that they would remove all 6 inquires that was fraudulent. I also spoke to the company where someone tried to get an account with them and they said they have no information of me on file but after equifax investigated they said that the results were verified as accurate which is false and the are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/2020, a dispute letter was sent to World finance certified to verified the validity of the debt that is being reported om all three of my credit reports, I do not have any business with this company. I filed a police report which was sent as well. On XX/XX/2020 my credit report was updated where my balance had increased, I did not receive any information that I had requested instead they reported a higher balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
The company is cash app they freeze my account with out contacting me letting me know anything they fail to ask for Verifiable ID an to respond to either of my emails I been contacting them for 4 weeks now an they fail to communicate back if some can kindly contact me at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: NC

Complaint narrative:
To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}

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 2020-06-03 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}

Company response to consumer: Closed with explanation