vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 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: Westlake Services, LLC
State: CA

Complaint narrative:
I have tried to resolve with the Wiltshire consumer Capital. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/21 I received an email after applying for a personal loan on a website XXXX  XXXX directed me to. It took me through several applications from different places and I filled them out and when I checked my email later there was an offer XXXX at 6 % from XXXX XXXX at XXXX XXXX. XXXX. I called he asked for banking info and that was a big no go on my part. So he said I could pay the XXXX $ with a XXXX XXXX activation card which in my head at the time made sense bc he was telling me he was western union the loan. Well I could not find the card so he said get XXXX play got it he said since I have bad credit I had to make a one time payment of XXXX $ paid it. Then he said I still could not get it bc I had to pay state tax XXXX XXXX Im such a dummy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian failed to provide me with the supporting documentation from their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very upset there are two accounts on my credit report and 3 inquiries that do not belong to me I need these off my credit this is clearly identity theft and nothing is being done buy the bureaus regarding this after sending multiple letters to them. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  XXXX/XXXX  - XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
Ive contacted Wakefield and Associates 3 times about the {$1000.00} debit added to my account. I told the supervisor several times that I have medical insurance and thats who they were supposed to charge. I even reached out to XXXX XXXX twice and explained the same thing to them. This collection was never supposed to be on my credit report when I have proof that I had medical insurance around the time I went to the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
I have tried to resolve with the XXXX XXXX  XXXX. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
I have tried to resolve with the XXXX XXXX  XXXX. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.

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 2021-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Infinity Capital Group
State: GA

Complaint narrative:
well around XX/XX/2021 i went to XXXX XXXX  to provide my identification to open up a personal banking account. in the middle of the time being with the banker / accountant which name is XXXX XXXX. whose personal number is XXXX XXXX XXXX please contact him for verification he gave me his business card i am using his number for proof if needed. i basically got denied and im trying to apply for things and i took a survey and find out that i have 1 loan in my name which makes sense because people have been sending mail and ive been getting phone calls about being a car own when in reality ive never had any cars in my name. i have lost my wallet with my ID and social security. i have only reported it stolen once. im a trying to figure whats going on i need to find and get to the bottom of this because my lively hood is at stack due to identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
So I have mailed in the same inquiry dispute over 15 times. I finally called Experian & & after being transferred 4 times I finally each someone. I spoke to the rep who said they did not process none of my disputes I sent in because I said they were " erroneous ''. Erroneous means " wrong '' which they were, but besides them being erroneous I also mentioned in my letter and I quote, " Upon reviewing my credit report, there has been an erroneous amount of inquires madewithout my consent. These inquiries below were made without my knowledge or consent and Iwould like to be provided proof that consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately ''. - End quote. I mentioned the inquires were not consented by me which clearly states I did not create the inquires. Proper wording on my part, but that's not the kicker. The rep then presedes to imply or assume I made the inquries which is not his job. I have attached the FCRA laws involving the dispute process since no one knows what the law states anymore.

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 2021-03-31 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a while but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. This happened after I was switching my name from XXXX to XXXX. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is 1 account on my credit report that is really hurting me which is not my account I have not opened this account I want this account gone since it is not mine I have sent the bureaus multiple letters but they are not doing anything about it. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account!!!! 

There is also a Bankrutpcy that is not mine and is on my XXXX  report I need this removed as well

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 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex refused to honor their promotional spending offer for my card ending in XXXX. 
I enrolled my card ending in XXXX with the following Amex offer : " Enroll in this offer to earn a {$20.00} statement credit each month you spend {$20.00} or more on eligible U.S. restaurant purchases with your Card. Whether it's dine-in, takeout or delivery, you can redeem this offer each month through XX/XX/XXXX. This is in addition to the Points you already earn with your Card. '' I had two qualified transactions in XX/XX/XXXX, XXXX was {$18.00} charged on XX/XX/XXXX, and the other one was {$4.00} charged on XX/XX/XXXX. However, the second transaction 's post date ( the date that the charge is posted to the account ) was XXXX. Even though the transaction date ( when the charge was made ) was XX/XX/XXXX, Amex refused to issue {$20.00} promotional credits for XXXX, because Amex used 'post date ' to determine the credits eligibility, which is unfair. 

Amex did not disclose that they use 'post date ' rather than 'transaction date ' to determine the credits eligibility in the XXXX XXXX XXXX , which is unfair to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TX

Complaint narrative:
On XX/XX/2021 I mailed dispute letters to Equifax credit reporting agency. My response from them was recently received in the mail with a response date of XX/XX/2021. They did not respond to my disputes within 30 days so they are required to delete all of the disputed accounts listed below, which were disputed on XX/XX/2021. 

Bankruptcy XXXX NCB XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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:
There is XXXX account on my credit report that is really hurting me which is not my account I have not opened this account I want this account gone since it is not mine I have sent the bureaus multiple letters but they are not doing anything about it. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account!!!! 

There is also a Bankrutpcy that is not mine and is on my XXXX report I need this removed as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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:
There is 1 account on my credit report that is really hurting me which is not my account I have not opened this account I want this account gone since it is not mine I have sent the bureaus multiple letters but they are not doing anything about it. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account!!!! 

There is also a Bankrutpcy that is not mine and is on my equifax report I need this removed as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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
State: CA

Complaint narrative:
PayPal has held a balance in the account for 180 days and want to hold for another 180 days. There's no access I can't accept, withdraw or transfer funds and they say I'm a buyer and that isn't true. The honest truth. I've given my driver license and have even linked my bank account and debit card. They won't respond to my calls or emails and I need my funds of {$1300.00}. It's not fair and I'm so very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: AL

Complaint narrative:
Equifax investigation has taken more than 75 days to investigate my initial dispute, and they have still have failed to respond more than 75 days later. I wrote to Equifax requesting an investigation to advise them of accounts showing Inaccurate, Unverifiable, and Incomplete on my credit report on XX/XX/XXXX. Equifax received and accepted through registered mail my dispute letter mailing dated ( XX/XX/XXXX ) and my follow-up letter dated ( XX/XX/XXXX ). To date, they have not done their duty as mandated by law. These erroneous errors are continuing to report on my credit report after multiple attempts to have them corrected. Under Federal Law, I also understand they are required to complete and notify me of their investigation results within 30 days, which I have given an additional 45 days due to COVID, which they have failed to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
U asked for a pause in payments. No response. I rehabilitated the loan. No response. They only tell me to keep paying {$300.00}. I never receive any information. I have to call to get any information. I have XXXX and am stressing out. They don't care. 
Pioneer credit recover XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: OH

Complaint narrative:
I have disputed multiple inquires on my credit report from Equifax. All which comes back as accurate and verified. Under FCRA Section 609 and 605 I have asked Equifax to provide me documentation from each lender about date of dispute, time stamp, etc. Nothing was provided. So basically what is boils down to is I can open a dispute with Equifax on XX/XX/29 and they can complete that same dispute on XX/XX/29. That tells me that no proper investigation was made by Equifax. That also tells me that is a violation of my FCRA rights. Equifax is good at doing that. With that being said I am reuquesting the CFPB to look into the matter. If Equifax continues this route they will find themselves on the end of a very nasty civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS ACCOUNT RESOLUTION is claiming that I owe them {$1400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from 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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are two accounts and 1 inquiry on my credit report that are not mine I have been disputing these for many months and nothing is being done!!! This is clearly identity theft and this is my last hope XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/2020 on 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 2021-03-31 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:
There are two accounts and 1 inquiry on my credit report that are not mine I have been disputing these for many months and nothing is being done!!! This is clearly identity theft and this is my last hope XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2020 on Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: RI

Complaint narrative:
Repeated, harassing calls from XXXX XXXX solutions from different numbers XXXX. When explaining to them why I can not pay the debt at this time, they were insistent I set up a future automatic payment and kept repeatedly asking me what the reason was I could not make payments. I asked them to stop calling me multiple times. At this point, this company is harassing me and causing XXXX on my XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is one account on my credit report that is not mine it is Identity theft I have been writing disputes to all the bureaus regarding this they are not even working or looking at this. It is getting frustrating I opened an ftc for this it causes me great XXXX everyday looking at this on my credit. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$75000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I was promised a 3 % down payment with New American funding for loans less than XXXX and was also provided approval letter to the seller for getting into the contract as proof of loan for buying the house. But after getting into the contract, the lender asked for 5 % down payment. I had two approval letters with 5 % for XXXX and other with 3 % for XXXX.It seems 3 % down payment is applicable in case of loan amount less than XXXX. Lender provided the wrong information and caused lots of hassle and put the contract of buying the house into jeopardy. I was forced to look for another lender when the valid preapproval that I had was not honored.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation