vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Genesis Lending
State: SC

Complaint narrative:
I can't close my XXXX  XXXX  because the customer service line does not authenticate my information and provides no other recourse. This card has a annual fee of {$99.00} which I will be charged soon. 

Specifically it is a automatic system that asks for your 16 digit account number and then the last 4 of your social security number. The system does not accept my information and the company does not provide any other means to contact them other then by postal mail or fax. 

XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-01-13 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: TX

Complaint narrative:
XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX Account NameXXXX, XXXX. 
Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$280.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$280.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$280.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX Payment History Account XXXX  XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$430.00} written off. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$430.00} TermsNA On Record UntilXX/XX/XXXX Payment History General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXXXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$4100.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$4600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$4500.00} Highest Balance {$0.00} Terms34 Months On Record UntilXX/XX/XXXX Payment History Account NameXXXX XXXX XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$2000.00} written off.

Status UpdatedXX/XX/XXXX fcra violations not mine remove it XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violaitons never 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 2021-01-13 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: IL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Credit Corporation
State: TX

Complaint narrative:
Someone open a credit card in my name and I was trying to contact my investigator and his number is always going to voicemail many times I left this XXXX  a message few times and he never called me back at all and I send in documents by email and never got a response back and finally XXXX was rebilled on my account and I was found responsible for the charges and I refuse to pay for it ... I never used the card and I didnt apply for it the guy name is XXXX and his extension is XXXX avant- already did a few chargebacks to the merchants so I dont know why they found me responsible for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX was suppose to keep one line active do I can make payments rd on lease phone. After verification they shut my account and sent me a bill and. I called to discuss use and made a payment and advised I could not pay upfront over XXXX dollars and made a payment and agreed to make XXXX  month until paid. Kept making payments and had one last payment and going out it was given to collection and seen in my credit report. Collection never contacted me and thought I still had agreement with XXXX and collection refuses to take off of my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
I contacted AmeriSave Mortgage only to get information on their fees and current interest rates. I specifically stated to them that I was not ready to initiate an application until I had further information. I then received an email ( shortly after telling their representative online that I would not be interested because their discount points were higher than I was willing to pay ) that I have copied below stating my application was created. I don't want my credit to be dinged because of numerous " applications '' when I am only in the information gathering phase of looking for a mortgage at this point. 

AmeriSave Mortgage Corporation XXXX Wed XX/XX/2021 XXXX XXXX  Your new application has been created. 

Access your mortgage application by clicking on the following secured link : https : //www.amerisave.com/login/ If you can not login, please use the Forgot Password link to reset your password. 

AmeriSave Mortgage Corporation XXXX  ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX www.amerisave.com XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
the accounts listed are fraudulent someone use my social security number and photo id to open these fraudulent accounts in my name i have made criminal complaints with local and federal agencies I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-13 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: GA

Complaint narrative:
When I first reviewed my credit report I realized that the information being reported was inaccurate and misleading. This information has been causing me and my family to get denied whenever I apply for credit. This makes things extremely difficult during the pandemic. My family and I have being suffering for quite sometime now because of the inaccurate information being reported on my credit report! Please remove this information. My initial dispute came back as verified. Which XXXX me off! How can inaccurate information be verified? So I demand that I am sent a detail letter stating how this information was able to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit card through XXXX XXXX. Work/Finances affected by covid19 in XXXX, called company and was assured late payments would not affect credit during the crisis, as work was sporadic, paying when I could. I was told this was covered under their covid19 forgiveness plan, and anything during those months in 2020 would not be reported as late to credit agencies. It was reported to credit agencies regardless, I disputed, mentioning the covid19 forgiveness commentary, which is still on their website as an option even now. Instantly determined nothing was 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 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
today XX/XX/XXXX I had a company XXXX XXXX from Delaware call and tell me I owed a debt to Wachovia. They said that because they have my current address and information ( none that I supplied and they willingly gave out with no proof of who they were speaking to I just yes'ed them through the info ). I told them this was not my account and they said since you live at the address and they provided id we know it was you. I said I have worked in XXXX  and many people opened fraud accounts with people 's info and fake id 's. They said who uses the same address well I have seen that before too. I used to work XXXX  specifically for XXXX. They flat-out refused to send me out proof of the debt and wanted my email. I refused I said for what so you can say you know it's me because you also have my email. So I made an email just for them since they were so insistent on an email and refusing to send it. They accused me of making a fake email. I said the email is not fake it is an actual email I set up for you. I asked for proof that I and the Co acct holder set up this account and they refused. I said this is not my account I did not open an account with Wachovia in XXXX. I just need proof it is mine and they proceeded to threaten me that they are going to take me to court and they are going to cancel all my bank accounts and they are going to charge me all these additional fees multiple times even when I told them I did not see their email on the XXXX email account. They said they refuse to put on my account my statement that I am stating it is not my account and is fraudulent I told them that is oppression but they did not care. I told them I have not received anything from Wachovia on this at all. I do not know anything about this. They said they do not care if I receive the info today they will be referring my info to a lawyer and all these things will happen to me. They said I can ask the lawyer for proof it was my account and I can then have to pay all the extra fees. They also stated that they refused to enter my statement of the fact that I said this is not my account and that it was a fraud and was requesting proof that this account was indeed my account such as the paperwork showing I opened the account with my id.

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 2021-01-14 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: FL

Complaint narrative:
the accounts listed are fraudulent someone use my social security number and photo id to open these fraudulent accounts in my name i have made criminal complaints with local and federal agencies I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XXXX mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/20 ), I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day, it has been over 45 days later, and I have not received a response yet. I feel like I am being taken advantage of, and my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately. It has been well over that timeframe, so these misleading should be deleted promptly. 

I've sent out a second attempt to have the items removed ; if there are no responses again, I will move forward to file litigation due to the stress it has caused me. I have also discovered that I am a victim of the XXXX  data breach, which impacted my information ; I am deeply concerned with my personal information having likely got into the wrong persons ' hands.

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 2021-01-13 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: CA

Complaint narrative:
On ( XX/XX/20 ), I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day, it has been over 45 days later, and I have not received a response yet. I feel like I am being taken advantage of, and my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately. It has been well over that timeframe, so these misleading should be deleted promptly. 

I've sent out a second attempt to have the items removed ; if there are no responses again, I will move forward to file litigation due to the stress it has caused me. I have also discovered that I am a victim of the Equifax data breach, which impacted my information ; I am deeply concerned with my personal information having likely got into the wrong persons ' hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Today ( XX/XX/21 ) US Bank withdrew {$4700.00} from my XXXX XXXX checking account without my authorization. When I called their customer service they apologized, but said it would take about 7 business days to get my money back to me. XXXX XXXX seems unable to help. I can not go 7 days in the negative with my main bank account that all of my bills are paid through. I have talked to US Bank customer service twice and 7 to 8 business days was the best they could promise. I have asked to speak to a supervisor earlier in the afternoon, as yet ( XXXX EST ) I have not received a call back from them. When I contacted XXXX XXXX they said I needed to call US Bank. As of now no one can tell me why this withdrawal was made or how they mistakenly thought is was authorized. My XXXX XXXX XXXX  address is : XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX. The US Bank closest branch address is : XXXX XXXX XXXX XXXX XXXX, OH, XXXX. Thank you very much for your time and attention to this matter.

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 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
There was transactions reported by me on the XX/XX/XXXX. Paypal flagged my account as i dispute the charges. Paypal denied the charges and i reopened the dispute and told the financial institution. While I was in XXXX on the XXXX of XXXX another $ XXXXcamw out. I disputed it right away. Paypal denied it right away again. Told me to take it up with the bank. I told them it never came out how is it I'm seeing it in my Paypal? Thwy hung up on me. 
Paypal let another transaction go through while there was open disputes. There was transactions reported by me on the XXXX. Then paypal let another transaction go through even though it was flagged it. The bank said it was fraud for the other 2 payments and said NO. I called and let paypal know it was not to go through because it was unauthorized. Paypal let it go through anyway DESPITE the DISPUTE that was in progress. Why? I asked them why would they let it go through if there was open transactions that were actively in dispute? The XXXX was returned by paypalon the XXXX. Paypal had the opportunity to STOP that payment. They refused. Now the errors were fixed accept the payment they let through. XXXX has their payment/money. An unauthorized payment was paid by paypaland they need to do a charge back from the other party. He has their money. They have flags on my account NOW which should have been there from this scam they pulled and it would. The bank told them it was fraudulent. Why didn't paypal take the appropriate action to cancel the payment? Especially since I nor the bank authorized it. It should have been flagged as unauthorized unfunded or nonpayment. The bank contacted PayPal and requested the refund on the dispute for the XXXX and PayPal did acknowledge that it was returned for fraud but won't acknowledge that the bank refused the XXXX for the same reason. Why isn't PayPal doing a charge back? They paid it without authorization or funds available. They should have rejected the payment based on the bank saying no and me and no authorization. Paypal needs to get that unauthorized {$500.00} from the individual they gave it too without authorization. I was in XXXX ( which I submitted ) at the time it came out.. i didn't authorization it. Paypal wouldn't have returned the XXXX fraudulent payments if it was proven.. They are claiming that it wasn't returned. Yes it was. They can get it back from but choose not to. They are allowing them to scam me. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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