vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Account was listed by Experian to be closed this month XXXX. Account is not closed but date was changed from XXXX to XXXX. Account has incorrect data and should be removed from my credit 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 2020-04-05 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: MA

Complaint narrative:
How XXXX  can EQUIFAX be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, EQUIFAX is not willing to fix the error but they wont delete the account either, the open date on this account is different from what XXXX and XXXX are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell EQUIFAX to investigate because the open date on this account is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
i have sat on hold for 1hour 31min and over an hour 4 separate occasions. I am, & many others are reporting not being able to access their info or use their cards, despite calling all the companys different CS phone numbers. Including the international and regular credit card number. My paycheck from work is direct deposited onto AMEX serve card but have no access to the money and no way of reaching AMERICAN EXPRESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have fraudulent address on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I refinanced a mortgage held by BSI Financial Services. My loan escrow company requested a payoff statement on XX/XX/2020 from BSI but the payoff department did not respond until XX/XX/2020. The payoff statement sent was not accurate as it did not consider a XX/XX/2020 payment I made which was posted to my account and available to the payoff department prior to sending the inaccurate statement to escrow. A corrected payoff statement was immediately requested by telephone but was not received until XX/XX/2020. The delay resulted in my having to pay an additional amount of interest to BSI than I should have. In addition, a fee for extending the loan process was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: SC

Complaint narrative:
I was not aware of interest before agreed to loan. I have paid XXXX for a XXXX. I still owe almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
How corrupt can XXXX  be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, XXXX  is not willing to fix the error but they wont delete the account either, the open date on this account is different from what XXXX and TRANSUNION are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell XXXX  to investigate because the open date on this account is wrong.

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 2020-04-05 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
How corrupt can XXXX  be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, XXXX is not willing to fix the error but they wont delete the account either, the open date on this account is different from what Experian  and XXXX  are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell XXXX to investigate because the open date on this account is wrong.

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 2020-04-05 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: CA

Complaint narrative:
I have fraudulent address on my credit 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 2020-04-05 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: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Account was listed by XXXX  to be closed this month XXXX. Account is not closed but date was changed from XX/XX/XXXX to XX/XX/XXXX. Account has incorrect data and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: SC

Complaint narrative:
Inaccurate information on credit 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 2020-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2020 I was told to contact Citibank in regards to activity on my account, I verified all of that and then they said my account was good because all of the transactions were mine. Next day XX/XX/2020 I go to the store to purchase items for my household and declined, cant access online account, so I call them. Several times each time my call disconnected at the same exact time it said my wait time would be. For example, your wait time is 65 minutes and my call will disconnect at 64:44 minutes. This happened 5 times. Each time over 20 minutes waiting. Twice over an hour. All I wanted was to unlock my card because the transactions were me couldnt even get things for my children or put gas in my car because they are holding my money. It is a hard situation with everything going on in the world right now. I just imagine being stranded had this happened I wouldve been left for dead. They havent made any attempts to reach me since this has occurred.

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 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
ON XX/XX/XXXX I RECEIVED ongoing spam phishing emails to my personal XXXX with security details as XXXX  compute XXXX. I have reported FRAUD ACCOUNTS linked to MY XXXX BY unknown entity thru XXXX.. FAKING AS MY XXXX ACCOUNTS ... to both the cfpb and the FTC. 
THIS PHISHING SPAM EMAIL SECURITY DETAILS attached XXXX  SENT BY TV TO MY XXXX @ XXXX FALSE advertising and phishing attempts and linked to as per attached spam email info states shadow box company out of state of Utah And 30 minutes from me in XXXX va companies stating as XXXX XXXX XXXX class mail XXXX XXXX and XXXX all represented as different entities leasing office space OF VIRTUAL ADDRESSES ... ..FRAUD!!! AND LINKED THEMSELVES TO RENTiNG WELLS FARGO BANK  BUILDING XXXX VA AT : STATED ON THE ACTUAL ILLEGAL PHISHING SPAM EMAIL SENT TO MY PERSONAL.GMAIL ... 
XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX ILLEGAL PHISHISHING SCAMMER SPAM ON XX/XX/XXXX CLAIMS TO BE XXXX  REPRESENTED AND RENTING WELLS FARGO BANK BUILDING IN DOWNTOWN XXXX VA FOR ONLY {$150.00} PER MONTH. I LIVE 40 MINUTES FROM XXXX VA. 
XXXX XXXX OF XXXX VA IS STATED AS ONLINE REPRESENTATIVES AS THEMSELVES AS AGENTS FOR WELLS FARGO BANK BLDG AT {$26.00} SQUARE FEET AT XXXX XXXX XXXX XXXX VA XXXX RENTAL OF OFFICE SPACE NOT {$150.00} SPECIAL THRU EARTH CLASS XXXX XXXX XXXX XXXX. MY IDENTITY THEFT FORMS ALSO WENT TO A FRAUD VIRTUAL ADDRESS OF A WELLS FARGO MANAGED CONDO UNIT THAT WELLS FARGO BANK HAS NOT  YET ADDRESSED AS TO WHY I WAS GIVEN A FRAUD BANK ADDRESS TO SEND MY US IDENTITY INFO TO ... I GUESS ILL SENT THIS TO XXXX  AND SEE IF THEY HAVE A ANSWER FOR VIRTUAL ADDRESSES BEING GIVEN OUT TO PERSONS AS A BUSINESS ADDRESS BUT NOT VALID. 
The XXXX  XXXX XXXX  has had complaints on fast logic and can't get the company to respond. I reported this to the XXXX  XXXX va XX/XX/XXXX DUE TO THE XXXX  VA website states if a person was victim of a puppy buying scam to report it. MY PUPPY SCAM WAS DONE THRU WELLS FARGO BANK TO XXXX XXXX in XXXX XXXX. WELLS FARGO BANK EMPLOYEE NAMED XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX Virginia handled mine at Wachovia bank. She stated the XXXX XXXX  account had not received me wire of {$1500.00} ( XXXX XXXX dollars ) and sent another XXXX XXXX dollars THAT DID NOT NEED TO BE SENT WIRED AGAIN. I WAS OUT XXXX XXXX DOLLARS JUST LIKE THAT!!! Thank you XXXX XXXX that would not call me back to discuss. my identity theft is ongoing ftcXXXX

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 2020-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.

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 2020-04-05 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: FL

Complaint narrative:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.

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 2020-04-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax will not produce my score and this is preventing my home mortgage to approve. I wait on hold for over an hour then Im disconnected, or once I did talk to someone and they didnt understand why it wasnt reporting. This is insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I cancel this policy with progressive having already at the time that they bill me with this amount insurance with XXXX and even do I send them prove of new insurance and cancellation letter they still send me to collections and keep trying to get money from me and I dont owe nothing to this company at all.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was able to send back the car way back in 2013 yet it is still reporting up to this date. I thought we had a common ground that this will be removed already. Please consider helping me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
On date of XX/XX/XXXX Wells Fargo Bank issued check {$25.00} mail out to me reference number XXXX, check number XXXX and I did mobile deposit to XXXX XXXX XXXX  on date XX/XX/XXXX. Date of XX/XX/XXXX XXXX XXXX mail me for notice of return check and copy of mobile check with charged {$10.00} for return check from wells fargo bank. 
I called wells fargo bank XXXX many times and they said, that check was cashed out some one. I told them I has original check and check is on my name, who can cashed check? they said, will mail out proof of cashed 2 weeks ago but I never got it. 
I called again with same issue but same story go on, will mail out. 
wells fargo bank need to pay me {$35.00} including {$10.00} loss for they returned check. 
They answered same things all the time nothing more explained about situation. 
They must find out who cashed instead of me but they don't and don't care. 

I need to help, Please My e mail is XXXX Thank you

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 2020-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
an account was added to my credit report w by a debt collection agency that i never even had original name XXXX from XX/XX/XXXX which i never even had an account with this bank i closed all of my credit cards in XX/XX/XXXX the company is Portfolio recovery and they keep changing the dates regularly every 6 to 8 months and under the credit reporting act in california after 3 years they are to be removed and that is why they change the dates regularly and a second company XXXX XXXX  is also doing exactly the same thing because neither one of these companies are located in california

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Once again I find myself in with nowhere else to turn but CFPB due to credit agencies not acting on requests that they by law they're own policies are NOT doing. This is truly become a never ending nightmare in a time when the world is in crises and financial institutions, credit agencies, lenders and EVERYONE should be trying to help each other and NOT continuously make things for difficult than they need to be. This has become a near daily occurrence and the damage that is causing to my ability to survive financially is more difficult which like millions of others, causes more people to take more risks, life and death risks that even in the predatory lending and " bought and paid for '' credit reporting agencies are literally putting peoples lives at risk, and is beyond comprehension why these companies are not trying to help people survive instead of, by blatant disregard for the statutes, doing the exact opposite. What is it going to take for these companies to actually help people? So, anyway I sent written requests to all credit agencies to remove my fraud alert since all the fraudulent activity had been cleared, and the continuation of the alert was being cited as reason for denial of credit. Not only did this cause me the inability to get financial assistance to survive, but actually did more damage to report making things even more difficult. I received a notice from XXXX  XXXX XXXX  that my application was denied do to the alert on my EXPERIAN account witch I had sent all the documentation forms etc to have the alert removed. The documents etc were confirmed delivered by the USPS, but the alert remains and I have not even received a notice from EXPERIAN that they're own policies state, upon receipt of forms, identity verification etc, the alert will be removed immediately. THIS IS NOT WHAT IS HAPPENING! We are all on the same team here, team humanity, please help and not hurt for XXXX 's sake! AND I am begging you to please NOT send the standard " still working on it '' response. This is your way of delaying the action for 60 days and who knows where the world will be in 60 days. Please help 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 non-monetary relief