vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I submitted for an SBA loan back in XXXXI finally got to the actual loan acceptance timeframe.I filled out the paperwork and submitted last week.I got an email from the SBA loan officer.He stated that I had 2 issues I needed to resolve,1 was to make sure my name I submitted for the loan was the same that Is on my bank statement 2 was that Experian was not giving my credit report to him and they were reporting that I was a minor. Im XXXX  yrs old, and I have to resolve that issue with them before he would consider me for the loan. Ive tried ever number they have and the whole system is automated I can not get through to any type of customer serviceIm calling social security tomorrow Any thing else I can do Thank you XXXX XXXX XXXX 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 2020-07-05 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: GA

Complaint narrative:
XXXX, Equifax, XXXX and XXXX are in violation of the Fair Credit Reporting Act. They all continue to report my student loans in deferment and continue to report the incorrect payment history despite me submitting proof multiple times for months .The Credit Bureaus are also in violation of providing verification method. Even with my proof that I am not in deferment and despite the Cares Act Law they continue to report in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/2020 I notice on my XXXX XXXX I have a new inquiry about an XXXX XXXX XXXX service. 100 % percent sure I have not applied for credit for any of their services I have contacted them over the phone. Their answer was clear nothing they can do since they have no records of this transaction. I called XXXX  they instructed me this needs to be removed by XXXX XXXX XXXX. I'm a worker with very limited time and gave up. This week I have received the same credit inquiry type of transaction from a consumer credit for XXXX. I don't shop in XXXX  been to the store 2 in my life and have mever applied for the supposed store credit card. This credit inquiries only show in XXXX  not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I applied American Express Delta Gold card with a promotion bonus of XXXX by a referring Iink. I confirmed with its representative on call about the promotion bonus in early XXXX before I started to use it. I was told very clearly I could get the bonus after I met the purchase requirement. However I did not received the bonus after I met all the purchase requirement within 90 days. Then I contacted the American Express by online chat. I contacted them many times. They told me they needed 60 days to finish the investigation to find the recording between I and the representative. 

I have contacted them again today and they admitted that the representative shared the incorrect information with me. But they said they would not take any responsibility to its agents ' mistake regardless the fact I confirmed with the representative about the bonus. Just sorry and apology. I spent so much time on this issue which made me disappointed and felt to be treated as nothing by the their costumer service. I hope you could review the recording and the chat history between I and American Express. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
This company reported a debt to the credit reporting agencies and this is not my account. If this is medical it is in violation of HIPPA. I never received anything regarding this to verify this is my account. The last four digits of my social security number XXXX. Partial account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted Equifax several times about not reporting my accounts. Most of my accounts have not been update or lated reported since XXXX of XXXX and XXXX of XXXX. Each week I try to get a free copy of my report online and always denied access to it. Also I did not apply for a mortgage, a recent inquiry for a mortgage company was added to my report which caused my score to drop 51pts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I was approved for XXXX XXXX discharge on XXXX XXXX. I was told in the approval that I could consolidate the loans to direct loans which I did on XXXX XXXX in order to receive discharge of my direct loans. I requested to change the servicer of the loans from XXXX to Mohela on XXXX XXXX. By XXXX XXXX my loans were paid off with XXXX and changed over to Mohela, however, neither XXXX or MOHELA have applied my loan discharge that I was approved for despite the Borrower of XXXX stating for months that they sent the servicer proof of my loan discharge approval. I even filed a complaint with the XXXX and sent proof of my approval to both XXXX and MOHELA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Hello Digit, LLC
State: OH

Complaint narrative:
I am on Digit and they are stating that they are unable to transfer funds/link my acct with my checking acct. please fix this issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Acceptance Company
State: NY

Complaint narrative:
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding collection items that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was trying to send {$60.00} to my friend, XXXX on XXXX XX/XX/2020. While I was placing the transaction, Paypal website suggested that I should check the box ( Payment for service ). They left no link to explain the consequences of checking that box. All they said is that there will be a money-back guarantee. But they never said at the time of the transaction that the recipient will be charged a fee. Essentially, they tricked us to buy their service XXXX Money-back guarantee ) without disclosing there will a charge for that. All banks would disclose the fees at the time of the transaction. They will all do the math & calculate the exact number of transfer fees if any. Only when the customer consents to that fee, then it becomes legit. Paypal didn't do that. The transaction didn't give me any warning of any fees. It didn't even explain what XXXX Payment for Service ) means. This dishonest practice is tricking many users. Paypal has to be transparent about their fees at the time of the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank continues to show an account from 2014 that shows a 60 day late. It is impossible to be late on this type of payment. It was secured by CDs so it was impossible. I would like this to be ammended to show perfect payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I submitted approved police report and ftc affidavit and documents from the creditor confirming the account was an act of fraud. XXXX and Experian has taken two months to receive the incorrect results. This is frustrating and the entire identity theft process is terrible.

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 2020-07-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contacted XXXX  XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
The main company XXXX ( XXXX XXXX ) gave my information to credit management to collect money from me on an account that I never had with them. They gave my personal information to credit management without my consent for a balance that I never owed. I have a collection on my credit labeled as due to natural disaster and I called both the collection agency and the original creditor and they both can not find an account under my name and SSN.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05 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: PNC Bank N.A.
State: IL

Complaint narrative:
I am unable to link my bank account with XXXX. It is my right to link my account with whomever I please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted approved police report and ftc affidavit and documents from the creditor confirming the account was an act of fraud. Equifax and XXXX has taken two months to receive the incorrect results. This is frustrating and the entire identity theft process is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC has blocked any and all external apps from accessing an account. I have several savings apps attached to my bank and I am unable to withdraw any of my money because PNC wont allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
After being contacted in writing by Convergent Outsourcing, Inc. on XX/XX/, and made aware of an alleged debt, I contacted XXXX regarding this account. I paid {$830.00} directly to XXXX on XX/XX/XXXX and received a confirmation number of XXXX for my payment. I am requesting that XXXX delete the tradelines on my credit report because I have paid the original creditor and they have no permissible purpose by law to report on my credit.

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 2020-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
This is affecting my score showing negative items. This account has been taken off other creditors but this creditor is still sending negative reports to my credit report XXXX  when this has been resolved under identity theft. The number to contact this company is not applicable.Please take this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: CL Holdings LLC
State: CA

Complaint narrative:
This has been taken off all credit reports except XXXX. The company keeps reporting when this was under fraudulent. Would like this to stop and be taken off my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Debt collection agency, Receivables Performance Management , LLC ( RPM ) has been hitting my credit with a {$67.00} debt that XXXX XXXX XXXX has turned over. 

I have received no prior notice of this debt. The only reason I know about it is because my XXXX account started notifying me on XX/XX/XXXX. I have submitted a complaint with RPM on XX/XX/XXXX and yet to receive any confirmation the complaint was received, let alone the status. 

I have submitted prior bills from XXXX XXXX XXXX showing I owed nothing when I cancelled the XXXX service XXXX of XXXX. In fact, I have a statement from XXXX XXXX XXXX refunding me {$46.00} on XX/XX/XXXX with a payment date of XX/XX/XXXX. 

I have never received any bill from XXXX XXXX XXXX for {$67.00}, so I had no opportunity to dispute the charge before it was turned over to collections. As I've received nothing in writing from XXXX XXXX   XXXX or the debt collector on this {$67.00} charge, this is essentially an attempt to seal from me and use the credit bureau to extort it from me. There is no reference to a {$67.00} dollars owed in any of the statements received from XXXX XXXX  XXXX around the time of my cancellation.

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 2020-07-05 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: NY

Complaint narrative:
i was victim of identity theft several account were open fraudulent

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 2020-07-05 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: NY

Complaint narrative:
i was victim of identity theft several account were open fraudulent

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 2020-07-05 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: LEXISNEXIS
State: NY

Complaint narrative:
i was victim of identity theft several account were open fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: CORELOGIC INC
State: NY

Complaint narrative:
victom of identity theft

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 2020-07-05 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: Early Warning Services, LLC
State: NY

Complaint narrative:
victom of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: FactorTrust, Inc.
State: NY

Complaint narrative:
victom of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE NISSAN MOTORS ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( XXXX, XXXX OR NISSAN MOTORS ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU

Company response to consumer: Closed with explanation