vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have two inaccurate late payments reporting on my Experian credit report from XXXX XXXX XXXX listed in XX/XX/XXXX and XX/XX/XXXX. I disputed the inaccurate late payments with Experian. The credit bureau refuses to remove the inaccurate late payments stating that the creditor has verified the inaccurate late payments as accurate. I have called XXXX XXXX XXXX  and the Representatives have told me that there are no late payments reporting on my now closed account. The car payments were due on the XXXX of each month. I am attaching a copy of my personal bank statements showing when the payments were withdrawn from my checking account. The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ). The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ).

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 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Trying to link XXXX  with my bank account and PNC wont allow it to happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX my FICO score dropped from XXXX to XXXX with out any intelligent reason. I am one of the few people that continue to pay my bills on time during this pandemic. My credit is stellar. I have over XXXX in liquid assets. Playing with credit scores is a criminal act. Please get your act together or I will be filing a civil lawsuit.

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 2020-06-06 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: MO

Complaint narrative:
My name is XXXX XXXX and I have been a victim of XXXX XXXX There are accounts on my credit report that is wrong and that was not opened by me. My credit information was stolen and someone took my social security card and personal information and opened up accounts. 

My social security number is XXXX. 
My date of birth is XX/XX/1987 I want to dispute all information on my credit reports.

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 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear Sir or Madam : This communique is to complain about Wells Fargo charging fees during COVID 19, particularly when clients are unemployed and subjected to illness as a result of COVID 19. 

I had requested that Wells Fargo debit my account on the XXXX, which was my payday for my prior job. This request was ignored, and I don't have an employer anymore. These additional fees cause a great hardship. Thanks.

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 2020-06-06 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: VA

Complaint narrative:
In XXXX of XXXX I started receiving a bill from Sears Credit Card Services, STATING I owed money and to respond within 30 days. I called them and explained I had not been using my SearsCard and there was no way I could owe money. 

They stated that the balance was not from me using my Sears card but a balance transfer from another account. I asked for a copy of their records and they stated they were the collections part of the Sears and only had a record of what the debt was " XXXX XXXX and a dollar amount in XXXX ''. 

I told them this was fraud I paid my bill in XXXX and need them to tell me what payments they received towards the XXXX XXXX. They again stated they were the Sear 's Debt collecting Agency and they had no records of any payment activity only the amount they were to be paid. 

I then called Sears Customer service and spoke with two operators the first told me to pay my bill if I did get my ducts cleaned I owed the money the second which was supposed to be her supervisor stated that I needed to speak with another department. She sent back to collections and to the a different collections representative who put me on hold to review my account and never came back on the phone. 

The Collection Agency continues to call all times of the day and will not listen when I explain I have already paid this Duct Cleaning Bill. They state for me to send in proof of payment which I have but I do not want these crooks to have my routing number and checking account number. 

I have copies of my XXXX check book register as proof of payment. Please make them clear this fraudulent debt, and stop calling me. 

How can a company bill you 3 years after you have paid a bill and add interest and fees? 

Please 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 explanation
Consumer complaint received 2020-06-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive notified the three credit bureaus numerous times about inaccurate information on my credit report. Ive expressed to them each time I call that the information is incorrect that they have on file. I was told by one of their representatives that the information was cross referenced. I can not be verified verbally because of this so I have to file on line. This information is constantly being updated on my credit reports. Ive disputed it numerous times and it has not been removed. It has been over 90 days with me trying to have this information removed. Ive sent in a police report in the past, and Im still being asked for additional information. Ive requested that my credit report be frozen due to this, and Im still seeing hard inquiries posted damaging my credit. Ive requested documentation from the creditors with my signature as proof, showing that these are my accounts and I still to this day have never received that, but Ill receive a message that it was verified and they updated it on my credit report. The Applicable Law U.S.C 1746 states that if documentation is not presented with a signature, it is null and void, and Ive not received anything with my signature on it as Ive requested numerous times. The information that they have is inaccurate and its erroneous on the bureaus behalf, because I can not self identify because of the information that they have on file for me. Im requesting that this matter be resolved promptly, because its problematic to me, and its damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus. 

I have not applied for any type of credit with XXXX XXXX. 

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the 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 2020-06-06 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX my FICO score dropped from XXXX to XXXX with out any intelligent reason. I am one of the few people that continue to pay my bills on time during this pandemic. My credit is stellar. I have over XXXX in liquid assets. Playing with credit scores is a criminal act. Please get your act together or I will be filing a civil lawsuit.

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 2020-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC
State: NM

Complaint narrative:
I received a letter from an attorney that credit box has placed a collection with them for {$7800.00} for a loan amount of {$1500.00} that's XXXX in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: ID Analytics, Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX and I have been a victim of identity theft. There are accounts on my credit report that is wrong and that was not opened by me. My credit information was stolen and someone took my social security card and personal information and opened up accounts. 

My social security number is XXXX. 
My date of birth is XX/XX/XXXXI want to dispute all information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello, For 1 year I've trying to rectify my escrow account after receiving my escrow analysis back in XX/XX/XXXX. I was in bankruptcy but at a reaffirmation/automatic stay. My house was not included in the BK. Last yr I had to scan in my property tax bill because they didn't include my increase. I did my own analysis with the increase and paid the shortage {$600.00} shortage XX/XX/XXXX to cover the new prop tax pmnt, paid the increase in the mortgage payment to cover everything which was {$1600.00} as opposed tot he {$1500.00} they were requesting. Come XX/XX/XXXX the site said my payments were going up {$41.00} making it short {$500.00} but I tried to explain to them there is already a surplus of {$600.00} so it's impossible to be short anything that high while it's already sitting there. After my new analysis I did on my own and being I must have $ in my escrow account all I need to pay is {$230.00} because escrow can't be at a XXXX. On XX/XX/XXXX I spoke with a Sup and she was so ignorant I had to hang up, toda I spoke with a Sup who refused to go over my findings and escation to escrow dept was sent. I advised her the CO sent a letter dated XX/XX/XXXX plz pull it up she refused due to an escalation from XX/XX/XXXX. Here is my analysis which they don't get. 
ok XXXX thru XXXX escrow of XXXX x XXXX XXXX then homeowners insurance ins will be paid paid XXXX XXXX XXXX then bal {$2000.00} then XXXX pmnt of escrow will be paid XXXX bringing escrow balance to XXXX Then XXXX prop tax pmnt is {$3100.00} and hving the in escrow XXXX my new total is negative XXXX but there is a surplus of {$600.00} sitting in escrow now. 
So if anything i may be short XXXX not {$500.00}. 
When I worked mortgage if a customer asked to go line by line we did it, this CO does not, never has answers nd I even had XXXX in BK dept she doesn't know escrow. 
How can believe anything this company says or does. no one in that CO knows escrow. The literally are worse than XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
IQ Data International placed me for collections XX/XX/XXXX for {$540.00} from an apartment complex I lived at. I only noticed it because I was checking my credit score about a week ago and noticed something was very off. When the gentleman called and first notified me about the attempt to collect, he told me I owed {$540.00} from the property. On the phone I never refused to pay, but I did ask for a written letter stating all of the information he went over. He proceeded to say it was sent to my old apartment complex ( which I moved from ) but refused to forward it to my current address or email address. After arguing with me and saying that he is going to have to send me to collections if I do not pay he finally took down my mailing address but I still never received a letter. I am not sure on the date when he first called because of the different numbers used to call in but I have a voicemail from XX/XX/XXXX and it shows we called back and forth that day as well ( I do have call logs if needed ). He called my cell phone a few times and even called my work before my office manager at the time had to tell him that we do not allow personal calls. I figured he could not proceed without me having seen any letter stating I owed anything so after time went by I figured the issue was dropped - which was just an unfortunate mistake on my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
Hello Im a fellow user of the app called cashapp. Recently Ive trusted cashapp in sending my stimulus payments to my cashapp using my account and routing number. They money was funded to my account, and now cashapp is saying my account is locked due to suspicious activity which is the activity of me trying to send out the money to friends I personally know. Is been over 24 hours and my account is still locked. I dont know what to do anymore and this is very unjust. Please help me I have no money to my name and need this money dealrly please call me at ( XXXX ) XXXX if anything leave a voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Due to loss of job from Covid-19 I spoke with a representative at Discover Home Loan and he said I could sign up for a forebearance plan due to Covid-19. He said he put me in for the forebearance plan and to expect a form in the mail to sign. I spoke with the Representative over a month ago and I still have not received a letter nor have they placed me on forebearance and I keep getting late fees each month and am being reported to the credit agencies as delinquent. I am trying to get caught up, but due to not being placed on forebearance I have racked up late charges since XXXX 's scheduled payment.I wish to be placed on forebearance and the late fees for XXXX, XXXX, and XXXX to be refunded. ( although XXXX has not been charged yet, within another week there will be a charge added to my account ).

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

Complaint narrative:
Can not connect my bank account to a third party savings app that I have been using with no problems for six months. Now getting a notice that PNC prevents me from being able to link accounts to third party apps. Will be closing my account and moving to a credit union now that I can not send or save money through third party applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/2016 we cancelled this credit card with Bank of America with no balance or over due balances. The Bank is showing we are 30 days late in XX/XX/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 2020-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION
State: FL

Complaint narrative:
This company continues to call me for a debt I have no idea about. They call me all day at least 10 times a day starting at XXXX XXXX  and go till about XXXX XXXX. They also call my work and bosses personal cell phone after being told repeatedly not to.

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

Complaint narrative:
My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus.

I have not applied for any type of credit with XXXX XXXX.

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus.

I have not applied for any type of credit with XXXX XXXX.

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the 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 2020-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i disputed a debt with XXXX XXXX with experian it was deleted only to be rereported again on all 3 bureau from a different collection agency.

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 2020-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I have been receiving notices from these people for quite some time. I thought it was mine but then realized it was a previous boyfriend of mines and they are trying to collect from me. I tried on several occasions to obtain documentation from them that proves that this is my debt and if so, that this collection agency has the right to collect the debt. I have not received anything and they continue to report to the credit bureaus and they continue to send me notices. 

XX/XX/XXXX - Requested Validation/verification of proof that this debt is mine, that they were assigned the debt as well as proof that the debt was assignable. 

XX/XX/XXXX - Sent a 2nd request to validate/verify the account. 

XX/XX/XXXX - Made a 3rd FULL REQUEST of proof that this debt is mine, that they were assigned the debt as well as proof that the debt was assignable. 

They simply ignored me each time and sent nothing. So I would like assistance in either obtaining this information, or assistance in having them to stop reporting this unverifiable information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Credit Associates, Inc. (MO)
State: NE

Complaint narrative:
In XXXX I had refinanced my car which included a {$440.00} addition to my loan to pay off a collection. The check was sent out and cashed. It was negotiated by my bank for a pay for delete. I have spoken to my bank and the check has been cashed over a month ago. I disputed online with XXXX  twice and included a copy of the check. The company has twice verified it as accurate. The company had already cashed the check. The debt has been paid off in its entirety. They collection agency has said it has t been paid when it has. My last dispute that was completed was XX/XX/20 and it was verified by XXXX  as not being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XX/XX/2016 we cancelled this credit card with XXXX  XXXX XXXX with no balance or over due balances. The Bank is showing we are 30 days late in XX/XX/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