vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America and XXXX Based BOA XXXX XXXX XXXX XXXX XXXX are yet again depriving me of my rights and preventing me from doing the right thing. 

Given the trauma, uninformed staff, its predatory nature, its refusal to allow a supervisor to speak with me, its illegal non-compliance with existing banking law, and the its apparent illegal discrimination against me in banking decisions because of my XXXX I today decided to close my BOA account. 

In doing so I was alerted by XXXX in Nevada that I could not close my account because there was deficit of XXXX dollars listed yet there was no listing of the nearly XXXX dollars BOA has of my money which it is refuses to deposit. Nice scam is you can make it work! 

Anyway I am so tired and traumatized by this whole experience that will be extent of todays post with a great deal to follow in the future. Thanks..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XXXX XXXX, XXXX I applied online for a XXXX XXXX XXXX On that same day XXXX XXXX did a hard inquiry on my XXXX credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my XXXX report that my application would not be processed. I had also received a letter from XXXX stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my XXXX report and will only consider my application if I allow another hard inquiry. XXXX will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next two years and I got no benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I BELIEVE THERE ARE JUST INCORRECT ADDRESSES ON MY CREDIT REPORT WHERE I NEVER LIVE, NOR DID COMMERCIAL TRANSACTIONS THERE. I REQUEST TO ALL THE CREDIT BUREAUS TO REMOVE THEM. SOME TIMES THEY SAY OK AND SOMETIMES THEY SAY WE CANT. BUT THE HAVE NEVER BEEN REMOVE. CERTAIN ADDRESSES HAVE STOP ME FROM BEING ABLE TO RECIEVE CREDIT DUE TO FRAUDULENT ACTIVITIES. COMPANIES LIKE XXXX XXXX XXXX, XXXX AND CREDIT CARD COMPANIES HAVE STOP ME FROM GETTING CREDIT BASE ON THE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON FILE.

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 2017-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I BELIEVE THERE ARE JUST INCORRECT ADDRESSES ON MY CREDIT REPORT WHERE I NEVER LIVE, NOR DID COMMERCIAL TRANSACTIONS THERE. I REQUEST TO ALL THE CREDIT BUREAUS TO REMOVE THEM. SOME TIMES THEY SAY OK AND SOMETIMES THEY SAY WE CANT. BUT THE HAVE NEVER BEEN REMOVE. CERTAIN ADDRESSES HAVE STOP ME FROM BEING ABLE TO RECIEVE CREDIT DUE TO FRAUDULENT ACTIVITIES. COMPANIES LIKE XXXX XXXX XXXX, XXXX AND CREDIT CARD COMPANIES HAVE STOP ME FROM GETTING CREDIT BASE ON THE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting accounts in the amount of {$6300.00} {$10000.00} and XXXX XXXX {$440.00} which is fraudulent accounts and I have been filing disputes when I first learned of this information in 2013 from then to now present I involved XXXX XXXX to assist me nothings changed also I have hard inquiries that I have never applied for such applications please direct me to resolve these issues thank you also due to these data breaches with XXXX and XXXX I have been overwhelmed with 100 's of calls scams and false emails I have been attacked constantly my Identity has been stolen for some time now and I was n't notified by either company Im receiving false reports on my credit report and has reports of fraud on my bank account from XXXX which is now closed please assist me in getting these issues resolved Thank you XXXX XXXX all documents are reported on my credit report other than emails that are scams

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2017, I spoke with Wells Fargo Mortgage XXXX XXXX XXXX XXXX ext. XXXX regarding my additional principal payments being intentionally delayed ( and held in " unapplied funds '' by Wells Fargo ) due to their systems limitations, despite clearly indicated markings in writing ( and online ) showing the funds are intended as Additional Principal Payments or Principal Payments. I have had multiple experiences in the past year where my additional principal payments have been wrongfully held in " unapplied '' status, despite these payments being clearly marked in writing as " Principal Payments '' or " Additional Principal Payments ''. The aggregate of these wrongful delays in applying principal payments over the length of my 30 year mortgage could result in thousands of dollars of profit to Wells Fargo in the form of accruing interest. In filing my complaint, Wells Fargo Mortgage was dismissive of my complaint, while defending their payments systems inability to accept multiple principal payments in one day. Wells Fargo Mortgage also admitted that while my principal payments are in " unapplied funds '' status, that I do not earn any interest on those " unapplied funds. ''

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 2017-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus XXXX, XXXX, XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.

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 2017-10-18 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: VA

Complaint narrative:
On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus equifax, XXXX XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
My account is with XXXX XXXX XXXX It is XXXX card. I set up the account so that I could pay it on line. When I went to pay the bill this month, the website would not let me pay it. I mean that when I clicked on the tab to pay it nothing happened. I tried several time before I called the number on my card. The automated system on phone asked if I wanted to pay a bill, I tried that. Again I was not successful. I finally went to a customer service representative who allowed me to pay the bill. I payed the bill in full. I then closed my account. Now I have an interest charge of {$29.00} on a closed account that is closed and has a XXXX balance. I am also informing XXXX XXXX XXXX of my action here so that they are aware.

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 monetary relief
Consumer complaint received 2017-10-18 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: TX

Complaint narrative:
XXXX is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.

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 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WF changed my payment dates from every paycheck to 2 times a month. This was not supposed to have happened. This caused me XXXX dollars in fees, late charges, insufficient fund charges, deposits on both my phone and electricity bills, and other issues because they took money out on the wrong dates. I am in need of the 30 days late notice taken off of my account. XXXX has seen the information and has taken it off of their website due to the 6 months of mistakes that WF made causing me enormous financial hardships that snowballed into causing me financial harm, and being late making payments. 

Please fix 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
Consumer complaint received 2017-10-18 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: VA

Complaint narrative:
Despite multiple requests, the unverified item with XXXX, inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I 'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. TransUnion is also reporting incorrect contact information, and payment status on report for the XXXX creditor.

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 2017-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX, XXXX I received a {$400.00} PayPal payment from XXXX XXXX who owed me {$20.00} at the time. He said he sent the wrong amount and asked I send him {$380.00} back but to a different PayPal account named XXXX XXXX. I did. 

Weeks later on XXXX XXXX, XXXX a {$400.00} charge appeared on my PayPal account from PayPal.  They said it was for the {$400.00} I received on XXXX XXXX, they wanted it back. I told them what happened and asked them to give me in writing what the charge was for. They have not given me anything in writing about the charges to this point so I could resolve this issue. 

Instead, they attempted to bully me by sending the issue to a collection agency, XXXX XXXX XXXX, XXXX contacted me about a {$400.00} debt to PayPal. I wrote the agency that I did not owe PayPal as the funds that were sent to me were guaranteed and the funds I sent out were also guaranteed by PayPal and they were to the same person. 

After reading PayPals warrantees, there is no grounds for them to try to bully {$400.00} from me for a transaction I did in good faith. Also, why did it take them 6-8 weeks to try and resolve an issue? That is bad business. 

I find that the money I received was guaranteed and if I gave it as a gift It could not be taken back from me, which is my position. I will not be bullied by PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18 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: TX

Complaint narrative:
inaccurate information cra and hippa violation must remove them not 100 % correct

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 2017-10-18 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: TX

Complaint narrative:
inaccurate information cra and hippa violation must remove them not 100 % correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: AL

Complaint narrative:
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account 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 2017-10-18 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: AL

Complaint narrative:
In XXXX XXXX following the security breach with Equifax I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: AL

Complaint narrative:
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account 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 2017-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I had a XXXX at my residence in XXXX XXXX, the property was deemed a total gut, by the insurance company. I 've started the process of repairs after being paid by the insurance company. The mortgage company is in possession of the funds. After a mortgage ordered inspection, which was deemed to be XXXX % of the work completed, it was lowered to XXXX %, after review by their inspection team. " According to the mortgage company the pictures do n't justify the percentage. I have still been paying the mortgage monthly, I 'm in XXXX XXXXg the policy limits will be reached next mo th, then I will be responsible for the rent which is XXXX and my mortgage which is XXXX per month. I need the .mortgage company to cooperate and release the remaining funds, so I can compleye the need repairs so I may return to my home by next montj

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I had seen my credit report and I see that they are multiple inquiries from XXXX and XXXX that I do not recognize and do n't believe making so I would like them removed.

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 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Student Debt Advisory Corp.
State: TN

Complaint narrative:
I get a call XXXX times a day about student loan, I have no student loans I told them, they said they will call everyday until I pay but they do n't know my name. Phone number calling from is XXXX. We got in a heated argument I told them I will get a lawyer take me off the list. The lady said she will call everyday.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On my credit report there is a fraudulent address XXXX XXXX XXXX ) being reported. I have tried multiple times with multiple phone calls and letters along with proof of identity to remove this address but it still remains on my Equifax Credit Report. 

There should only be XXXX XXXX address on my credit report and EQUIFAX has refused to update my personal information correctly.

Company response to consumer: Closed with explanation