vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: HI

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank for Lumber Liquidators declined an individual application for my husband, a joint application, and an individual application in my name only in XX/XX/2020. We've never been declined for credit of any kind. We assumed there was an error on his individual application, so we applied jointly. We then assumed there was just some issue with his, so I applied individually. We asked to speak with supervisors and no one would give us any indication why a card would be declined. Everyone said we should refer to the letters being sent out, but no letters ever arrived. They were evasive, unhelpful, and it was a frustrating experience to be declined with no cause. 

I know they are required to provide those notices and would like to alert you in case of other similar complaints.

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 2021-05-03 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: NY

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF FOR THE 2ND TIME! 

I started disputing on XX/XX/XXXX some accounts that I don't believe have been reporting accurately with the bureaus. I never received a response from them so I redisputed on XX/XX/XXXX and again on XX/XX/XXXX. When I filed my first complaint on XX/XX/XXXX that also included my 4th dispute to the bureaus because in all that time, they have never corresponded with me!

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 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Godwin-Jones & Price, P.C.
State: VA

Complaint narrative:
Hello, You have an open complaint XXXX XXXX XXXX, which is currently being investigated. In looking at it, though, there doesn't seem to be a way to attach additional information. I'm finally starting to receive monthly statements, and, in addition to the legal fees they're trying to collect, they've added a " re-rent through '' amount of about {$1200.00}, which I don't believe I should pay since I haven't lived in the community since they evicted me in XX/XX/2020. The document is attached here. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: OH

Complaint narrative:
XXXX, XXXX  and Experian all show an incorrect balance for XXXX/XXXX XXXX. This account has had a XXXX balance for more than 30 days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.

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 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Money received last XX/XX/2020. My paypal account was put in limited account, can not withdraw and transfer money. Need to wait for 180 days. After 180 days, money can not transfer & withdraw to linked bank and put to 180 days limitation again for the 2nd time. I want to get my money from Paypal. I waited long time, still can not get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
Recently applied for a HELOC from XXXX XXXX XXXX and was denied due to a error on my credit report, stating that OCWEN marking a 120 late in XXXX. 

From XXXX I was in a chapter XXXX Bankruptcy and the OCWEN account was one of several accounts involved.

I informed Ocwen of this error and have not received any reply.

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 2021-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened BBVA checking & savings accounts on XX/XX/2021. The BBVA XXXX XXXX new account offer was {$200.00} for checking account and {$50.00} for savings account. 

I met the requirement of " Add qualifying savings account betweenXX/XX/XXXX. Have a balance of {$1000.00} or more on XX/XX/2021 '' but did not receive {$50.00} bonus for the savings account. 

I contacted BBVA customer service and was told the bonus should be posted 90 days after account opening and no further details was provided. My account has been open for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: PA

Complaint narrative:
Had several late charges from Barclays credit card and was unsure as to how and why these were being applied. Discovered today that Barclays converts the paper check to an electronic check, submits it to my bank for electronic payment and after the check is paid they then credit the account with a payment, along with a late fee. Most recent payment was due Saturday, XX/XX/2021 and an electronic request for payment was submitted to my bank at XXXX XXXX., Monday, XX/XX/2021. Speaking with Barclays this morning ( XX/XX/XXXX ), while there is a payment pending to Barclays with my bank, they are indicating that they have not received a payment from me and have not credited my account with the payment. In order for Barclays to submit an electronic payment they would have had to had the check on XXXX ( no mail delivery on Sunday XX/XX/XXXX ). Barclays must credit the account with a payment the day received, not after turning it into an electronic check and having it cleared through my bank.

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 2021-05-03 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be XXXX  % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-05-03 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
After I disputed information to be removed from my account the credit bureau allowed navient to add the same account multiple times. I have 4 navient accounts but my credit report shows 16 navient accounts. I have called multiple times to get the information corrected by the credit bureau XXXX  but they have refused to help fix the problem. In fact every time I call for help another account appears. I thought the credit bureau was there to protect me. This information has kept me from being able secure funding for my childs education and a business loan to take care of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX XXXX, XXXX, I identified the fraud and unauthorized Capital One credit card account under my name in my credit report. The next day, I reported it as Identify Theft to local law enforcement, then started to contact Capital One and report this account as a result of Identity Theft. 

This issues has not been solved after several rounds of phone conversation and mails, including one complaint filed in XX/XX/XXXX in CFPB. Fortunately, in response to my complaint to CFPB, on XX/XX/XXXX, Capital One provided two pieces of feedbacks ( please see the attached file ) to support their claim that there was no sign of fraud for this account : 1. The account has the correct address. 
2. There is a phone number associated with this account that was linked to me in public record. 

I believe Capital One should consider the following facts : 1. Although the account does have correct address, but my mailbox was standing on the roadside and has NO lock. Therefore, the correct address is not a barrier for a criminal, who purposely steal my identity for his/her own financial advantage, to get mails from Capital One sent by Capital One, such as the physical credit card, which I never got. 

2. The phone number associated with this account was also a result of Identify Theft. I never have that phone number, and never received any mail associated with this phone number. I reported this fraud phone number to Federal Trade Commission, in the form of an Identity Theft Report, in the section of personal information. 

In addition, after identified this fraud phone number ( with 2 other phone numbers and a wrong name that was not mine ) in my credit report with XXXX  in XXXX XXXX, I called the three credit agency, reported these incorrect information, and ask them to remove these false information from my credit report. 

After getting Capital One 's response on XX/XX/XXXX, I called the three credit agency, they confirmed me that the phone number mentioned in Capital One 's response is not associated with me. 

This fraud phone number, which is another result of Identity Theft, should not be considered as a piece of evidence against me. 

If Capital One identified other public record that link this phone number with me, please inform me so that I can report such fraud to the correspondent institute/company. 

As a victim of Identity Theft, and a consumer, I did what I could : I reported to FTC and local law enforcement, and reported the fraud account to Capital One, tried to solve the issue. Finding out who steal my identify is beyond my capability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
They call my office number XXXX times a day. I have informed different persons on the line a total of 4 times that the person they are trying to reach is not at that number and they need to delete the number. I have also clicked the option of " if this is not the person we are trying to reach '', but they still call. They have told me that they will delete the number, but continue to call every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: NY

Complaint narrative:
Due respect after unknown about this XX/XX/XXXXAccount XXXX in my name after I try to get a loan from a banking institution I called the above said mentioned company to have their allegation sent to me there is a card was open in my name on the XX/XX/XXXX which I know nothing about in the sum of {$1.00} I contacted the XXXX major bureau with all the credentials the asked for Experian is still reporting this adverse on my credit report which give me a negative impact to my small business which I am trying to buy I send copies of letters with the fraudulent signature for this action XXXX XXXX as remove it XX/XX/XXXX as remove it in XX/XX/XXXX Experian had reinvestigate their finding is unchanged as a crime victim my information my PII is still compromised after every thing i tried with this credit bureau I have so many hard inquiry trying to get resources for my business I have proof that I did do this the only thing should be showing on my credit report is my equity loan on my home, XXXX XXXX, XX/XX/XXXX d,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX all my other account are paid in full am only usingXX/XX/XXXX percent of my cards yet still because of this act I am so confused I need to get some help to advance in getting resource to help me get my foster parenting home Thank you for my concerns

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 2021-05-03 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: TX

Complaint narrative:
I have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than XXXX way which is punishable by law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: NC

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: OH

Complaint narrative:
XXXX, Transunion and XXXX  all show an incorrect balance for XXXX XXXX. This account has had a XXXX balance for more than XXXX  days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.

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 2021-05-03 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: OH

Complaint narrative:
Equifax, XXXX and XXXX all show an incorrect balance for XXXX XXXX. This account has had a XXXX balance for more than XXXX  days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MRS BPO, LLC
State: CO

Complaint narrative:
I received a text from XXXX MRS Associates. 

This was claiming there was a XXXX wireless matter and they want me to call XXXX. Or visit them at https : XXXX. 

My wireless carrier is NOT XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I had an auto loan with Ally Bank. It was paid off on XX/XX/19. I need to do a title transfer, so I tried locating my title in my safe, only to find that it was missing. I went through the trouble of requesting a duplicate from PA, only to find that the lien on the car had never been released ; I had never received my title. 

I have been attempting for months, at this point, to get Ally bank to release the lien. After many many phone calls and tens of hours wasted, they said that I had to have the dealer, from which I purchased the car, get involved. I did and the controller there has been very helpful. He has been attempting for weeks to get this resolved as well. Ally had been contacting him daily to inform him that nothing had been done. They've ceased doing that. The controller recommended I file a complaint at this point. 

After more than a year and a half after being paid off, I no longer have the loan number. 
Ally has been able to identify the lien via the VIN, but has been either unwilling or incompetent to release the lien. The most recent case number with Allied is available upon request ( I have many open ).

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 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank keeps sending me emails addressed to XXXX XXXX XXXX. I do not know who this person is, but they somehow got my email. There is not a category for this issue, but I've called, and emailed, with no response, and did so again after another round of emails saying I've changed my user name and contact information. After an hour on the phone and 2 agents, I was told my complaint was emailed to " XXXX '' who would get back with me in 7 to 10 business days. She could not provide me with a copy of that request, nor email me confirmation of the complaint. I don't believe there will be any response ... again. They can't tell me if I have an account registered with them, using my contact information, including my email. They keep asking me for my Social Security Number, but I refuse to give it since I never opened an account with them, and have no idea how they or Mr. XXXX XXXX got my contact information. 

I'm requesting : To be notified in writing To be notified in writing if an account has been set up in my name. 
How they got my contact information and what is going on. 
I want my email and any other contact information they have removed from their database. 
I want to be assured there are no fraudulent accounts in my name, or contact information. If there is an account registered to me, what are the last 4 digits of the SSN # I want these emails to stop. 

Thank you.

Company response to consumer: Closed with explanation