vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I found inaccurate information on my credit report and I disputed with the credit bureaus I talk to a supervisor Name XXXX he told me If I didnt like the results from the reporting agency he told he me even though the information I disputed is incorrect if the creditors tell them that it is correct even though they can verify that it is indeed in accurate that the credit bureau still has to report the in accurate information as accurate And then he told me that if I did not like the results then I can go and complain to the CFPD According to the SCRA if I dispute in accuracies on my credit report OK and the credit bureau cant even verify that the Information being reported by the creditor is in accurate then according to the SCRA the credit bureau must remove the in accurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUIDANCE RESIDENTIAL, LLC
State: MD

Complaint narrative:
Applied for refinance mortgage for my rental property and I was offered mortgage rate 3 %. All documents were submitted as requested. Application was denied and reasons on denial letter based on my credit reports are false. I got copies of all 3 credit reports and denial reasons were not found on my credit reports. After discussion with agent, I was told since my application, mortgage rates have gone up and they can not offer me rate of 3 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Called XX/XX/2021, XX/XX/2021, and XXXX ... AmSher Collection serives about XXXX collection account that placed on all my credit reports by AmSher. i was told they are no longer have the account. i have asked them several times to remove the account from my credit reports they will not remove the account and will not talk to me about the account and hang up on me when i ask to talk to a supervisor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information Equifax credit report. They are reporting that I was late 30 days 11 time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of times and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: MS

Complaint narrative:
XXXX  XXXX is reporting inaccurate information to all three credit bureaus XXXX, XXXX and Equifax. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: MS

Complaint narrative:
XXXX  XXXX is reporting inaccurate information to all three credit bureaus XXXX, Experian and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

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 2021-03-18 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: NY

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CA

Complaint narrative:
On XX/XX/21 send police report of Identity theft to company, company received on XX/XX/21. Company responded the fraudulent accounts were verified on XX/XX/21. On XX/XX/21 I requested all the information that would support the verification of the fraud accounts have not received any response from company.

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 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
Ive used PayPal for the past 3 years now! 2 weeks ago my friend XXXX sent me {$5000.00} over 4 payments, and had his buddy send me another {$1500.00} through PayPal, {$6500.00} total. Luckily I was able to move {$3000.00} if it to my bank account, but {$3500.00} is stuck in PayPal and they arent giving it back to us! XXXX is planning a trip to Hawaii in 3-6 months so he sent me this money to hold, so I could purchase 2 mountain bikes here on XXXX if & when they come on sale. On XX/XX/2021 I noticed there was a hold on my PayPal account and I still have {$3500.00} in there! PayPal notified me they are terminating my account, that they dont want to do business with me any more! I asked them why & they told me that XXXX was suspicious but couldnt tell me how. They said they couldnt talk about his account to me, & Because XXXX sent me money & Im associated with him, they are banning me too! But We did nothing wrong. I have never done any illegal activity ever. On PayPal or in my every day life, I have XXXX kids & an honest job! Im not sure what XXXX is doing but as far as I know he is a good guy too.. What I did do different this time though, was transfer the first {$3000.00} to my checking account with out paying them fees! This time I waited 2-3 days so I wouldnt have to pay the 1-2 % they charge us! I had to verify my account again bc it was the first time I moved money without paying them! I believe this is the reason they terminated my account because they didnt get a Sevice Fee from us and their cut of the {$6500.00}! I have paid PayPal hundreds if not thousands of dollars through XXXX and through them directly over the past 3 years. I have records to prove it.. We are currently living through a pandemic & people are struggling!! Many times looking for money for food, and rent! PayPal is a billion dollar company, why are they allowed to steal money from their customers like this!?? I have heard countless people come out and tell me PayPal has been doing this to a lot of people and there is a good chance PayPal will try to take this {$3500.00} from me in 6 months! Please help, please tell me what I did wrong! I am willing to reverse the transactions, refund XXXX and he can send me a check, but stealing it from us is UNACCEPTABLE.. if they dont want my business I can live with that just fine! I will use a different payment method, but taking our money and banning us at the same time is preposterous!! Help! 
From XXXX  ph XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: NJ

Complaint narrative:
XX/XX/2021 a dispute was filed with XXXX XXXX and Transunion regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the XXXX XXXX and transunion, they are refusing stating it meets FCRA guidelines. Such statement is false.

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 2021-03-18 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: NJ

Complaint narrative:
XX/XX/2021 a dispute was filed with Equifax, XXXX  and XXXX regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the XXXX, equifax, and XXXX, they are refusing stating it meets FCRA guidelines. Such statement is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CA

Complaint narrative:
On XX/XX/21 send police report of Identity theft to company, company received on XX/XX/21. Company responded the fraudulent accounts were verified on XX/XX/21. On XX/XX/21 I requested all the information that would support the verification of the fraud accounts have not received any response from company.

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have called ( and spent hours on hold ) to get in touch with all three credit agencies. 

All three of them are incorrectly reporting my credit usage ratio. They show a much lower line of credit ( almost {$60000.00} ) than what I have. Consequently, the balance that I have on my credit cards is showing in the 33+ % range, whereas it should be under 20 %. Consequently, my FICO score is much lower than it should be. 

I have called each bureau several times to try to correct this. Invariably, they point the finger at my credit card companies and say they " must not be sending in your credit report ''. I've called every one of my credit card companies and confirmed that they are sending credit reports on a monthly basis. 

I have been trying to get this corrected for months, only to see no change in their erroneous reports. 

MyFicoReport today said I should contact you. I hope you can help because I want to refinance my home while the rates are low, and I want my FICO score to accurately report my status.

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called ( and spent hours on hold ) to get in touch with all three credit agencies.

All three of them are incorrectly reporting my credit usage ratio. They show a much lower line of credit ( almost {$60000.00} ) than what I have. Consequently, the balance that I have on my credit cards is showing in the 33+ % range, whereas it should be under 20 %. Consequently, my FICO score is much lower than it should be.

I have called each bureau several times to try to correct this. Invariably, they point the finger at my credit card companies and say they " must not be sending in your credit report ''. I've called every one of my credit card companies and confirmed that they are sending credit reports on a monthly basis. 

I have been trying to get this corrected for months, only to see no change in their erroneous reports. 

MyFicoReport today said I should contact you. I hope you can help because I want to refinance my home while the rates are low, and I want my FICO score to accurately report my status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
In XXXX I opened a deposit account at XXXX XXXX XXXX for a year that was due to end in XX/XX/XXXX. Since then, the bank has not given me my money. They say I have to wait for the XXXX XXXX XXXX XXXX, Nebraska, to authorize the money they owe me. I go to the bank every day to ask what happened and they tell me I have to wait. They keep giving me false dates as they've told me I should get my money in 2 weeks multiple times and nothing has been sent. They have been telling me the same thing for months now. They have now persisted in replying to me for months now.

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 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
as per phone call re:XXXX Plus : 1.Extension of Loan to 46years without stating the correct principal balance put me in an awkward position. 

2.LOAN number is the same for both loans except during a verbal inquiry they referenced court agreement in XX/XX/2012 ; there is no such agreement as per my attorney on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-03-19 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: Kriya Capital, LLC
State: LA

Complaint narrative:
On XX/XX/2021, Credence Resource Management LLC added a derogatory mark on my credit per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Credence Resource Management LLC did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXXredence Resource Management LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I had a hit and run accident XX/XX/2021. Upon have the wreck I contacted XXXX to notify them that my car was totaled. I was told that I didnt need to make any payments because I had full coverage and gap insurance. Kia motor finance was paid but still continued to report delinquent payments for 2-3 months resulting in my credit score dropping. Now I cant go get a new vehicle because of the late payments represented on my account.

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 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I had an account at coinbase with a cryptocurrency value of XXXX XXXX the fund disappeared and they did an unauthorized transaction with XXXX $ from my bank account and when reported it the account was locked and I am not able to retrieve it even with ID verification, no response from customer services after i opened a Case # XXXX, no one getting back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NC

Complaint narrative:
I submitted 2 disputes with Equifax on XXXX XXXX for XXXX a student loan service for a missed payment due to Covid 19 and XXXX for a missed payment on XX/XX/2021 on a closed account over, 6 years old. These accounts have been in dispute more than 30 days and has not been resolved and Equifax keeps telling me the disputes are still being process. Its well over 30 days with no results. I have attached the dates I filed the disputes and the estimated dates for them to be resolved by.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After viewing my credit report I came across some unauthorized inquiries that I do not recognize. Each inquiry into my credit report is listed below : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SC

Complaint narrative:
Equifax is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After viewing my credit report I came across some unauthorized inquiries that I do not recognize. Each inquiry into my credit report is listed below : 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