vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: GA

Complaint narrative:
I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: GA

Complaint narrative:
I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected 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 2021-05-14 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus for months now and I have yet to hear anything back from them. I have serious negative information on my account that needs to be resolved. Please fix immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus for months now and I have yet to hear anything back from them. I have serious negative information on my account that needs to be resolved. Please fix immediatley.

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 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a mortgage with PNC bank and wanted to get a copy of the payoff statement, because I am refinancing. PNC will only provide it by mail ( takes about a week ) or by FAX. Even after verifying my identity over the phone and discussing many details of my mortgage, they would not even verbally tell me the content and amount of the payoff. Nobody has a fax machine. I went to the trouble of signing up for a web based fax service and provided my number - only to find out that there is a {$20.00} fee for getting the info by fax.

This is so wrong and there is no logic to it. If they don't trust me with the info over the phone, then why send it to a fax number that I provide? Seems clear it is to force their customers to pay {$20.00}. There is no reason I can imagine why this information can not be provided verbally or by some secure electronic method. It's my loan!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I receive Social Security/SSI benefits. In XXXX of XXXX, the SS Admin. notified me that a bank account at BBVA ( and also USA Bank ) was opened in my name, and someone deposited $ XXXXSocial Security considers this to be my money and it is not. I did not open this account and I had no access to it. The money was apparently withdrawn, but the account was left open. I immediately notified BBVA, the FTC, the IRS, and the local Sheriff Dept. I was told by BBVA customer representative that the account was successfully reported as fraud, and frozen. The rep told me I would receive some documents via email for me to submit to verify my identity. I never did receive anything from BBVA until XXXX, XXXX, ONE YEAR LATER. The email came randomly and I was not expecting it. It was one week after I left urgent emails to the person handling my account, and I specifically asked her to send whatever documents were needed to resolve this to my P.O. Box! So I did not look for this email because it was totally random. The Social Security Administration began sending me notifications that the {$5000.00} means they have " over paid '' me, and they will now deduct {$95.00} each month from my benefits. Finally I made a very aggressive effort to contact the person handling the account by contacting local bank branches and demanding that I make direct contact with the person handling my account. She called me while I was on the phone with BBVA asking to speak to a supervisor so I dropped the call and finally, more than one year later made direct contact with the person handling my account. She told me a new " investigation '' has to be opened. I have submitted all the necessary documentation needed to verify my identity and to verify that I have reported this matter to law enforcement. I submitted two FTC complaints, one for the BBVA account, and one affidavit to the IRS for identity theft. I also provided the case number for the identity theft report from the local Sheriff 's Office. I have spent hours and hours and hours on the phone trying to resolve this issue with customer service reps. Countless times I have been forwarded to voice mail. Although it appears that BBVA has the documentation they need to close this account, I need verification that I can provide to Social Security that this is not my account. Social Security will begin deducting {$95.00} per month effective XX/XX/XXXX as a result of the neglect of BBVA to handle this case. BBVA has completely neglected to resolve this within a timely manner and now they are saying they need to conduct a " new investigation. '' I need to provide verification to Social Security immediately! There is no more time to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NV

Complaint narrative:
I have paid this account and it should be removed per their policy and what I was told in agreement to paying off the account. The account manager XXXX XXXX XXXX XXXX XXXX She stated that it was to be updated as agreed the account The website also states the new policy which is what the agreement was based on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good Aftereven, ealier today i pulled my credit report through XXXX and I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I contacted the credit bureaus regard this. I also call each and every company before filing the identity theft report. I did not authorized none of these accounts and credit inquires. I never did business with such company. I have attached my identity theft report along with mu drivers license to confirm my identity.

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 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened up a bank account on or about XX/XX/XXXX of XXXX shortly after i deposited 2 employment check one in the amount of {$3000.00} and my bf current employment check in the amount of {$490.00}, i had a usps  money order i had purched so i also deposited that in the amount of {$990.00}. i with drew only {$100.00}, and within a day or so i went to the store and my bank card didnt work, so i called down to the bank since the customer service would not speak with me reguarding my own account. I took off work and went into the parlier ca # XXXX office to speak with the mamnager, he told me all my fund were no good and they were bad, i told him impossible because my bf emoyler i just got off the phone, and they are good plus my money order i purchese from the post office myself. He refuse to give me any print out or even the copy of the checks. later on that day i imeditaly started recieving notifacation that my acciunt was fundswere getting withdrew, i tried calling but customer service wouldnt talk to me about my account, yet i keep getting a statement showing funds being removed. how is that if my accountwas locked.. and if my checks were bad then why dont i owe the whole ammont but just {$1200.00}? I know this bank is doing something fraudly and took my hard earned money please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
On XXXX XXXX i noticed Barclay Bank Deleware, XXXX XXXX & XXXX  posted a negative closed account I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and this false account is still on my report despite my efforts. Barclay Bank Deleware, XXXX XXXX XXXX XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, Barclay Bank Deleware, XXXX XXXX XXXX XXXX  has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information Barclay Bank Deleware, XXXX XXXX XXXX XXXX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave Barclay Bank Deleware, XXXX XXXX XXXX XXXX  permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, Barclay Bank Deleware, XXXX XXXX XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving 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 2021-05-14 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting several collection accounts that I need removed. I have settled this debt with you and ask that you please remove these accounts from my credit file. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this account. I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I have settled the debt with you and am now asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. Please provide a letter from your company agreeing to the terms. This letter should be signed by an authorized agent of Express Recovery. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under to the law to enforce the removal, including but not limited to institution of legal proceedings against you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I got a recent report change from Experian that means The average age of your account is now 2 years 5 months I didnt open any account 2 years 5 months ago..! Please can investigate my SSN opened average 2 years 5 months ago, and let me know about your decision.

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 2021-05-14 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:
Tried to buy a video game sonsole through XXXX XXXX. Person under the name XXXX XXXX that actually lives in North Carolina XXXX possibly XXXX XXXX scammed me after I sent a partial payment for said console. He received {$360.00} through Venmo app, money that was supposed to be the first part so he could send the package through XXXX. I already contacted XXXX XXXX and Venmo app for assistance, but wanted to get more help since none of them could stop the payment right away when it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: UT

Complaint narrative:
I have several collections from US Dept of Education that are reporting inaccurately. I have contacted the US Dept of Education and they have told me to take it up to the bureaus. I have been disputing the account for some time now but nothing gets done. These accounts are all consolidated, I consolidated them a while ago. They should no longer be in collection status. Please fix as this is severely affecting me being able to move forward with my home loan.

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 2021-05-14 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus for months now and I have yet to hear anything back from them. I have serious negative information on my account that needs to be resolved. Please fix immediatley.

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 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Loan on a XXXX  XXXX XXXX, financed at dealership through XXXX program at Chase XXXX JP Morgan Chase, NA ). 

Began making regular monthly payments to Chase, no issues until I made two payments in XXXX, 2021 XXXX the XX/XX/XXXX and XX/XX/XXXX payments ) and the loan payment due date did not age two months to XX/XX/2021, only to XX/XX/2021. 

I called and spoke to a Chase representative XX/XX/2021. She stated that it is Chase 's " policy '' that they do not age payment due dates ahead except if the customer calls and requests this, and then, only up to three months ahead. She said that she will " reallocate '' the second payment I made in XXXX, 2021 to age the payment due date to XX/XX/2021. I verified a few days later that this had been done. I also requested to talk to a supervisory or management person about this " policy ''. She said that she had to submit this for a supervisor to call back one should call in 24 - 48 business hours. 

I never got the supervisory / management call back so I called Chase again XX/XX/2021. The representative referred me to a supervisor. That supervisor verified that failure to age ahead for payment ahead was a Chase policy, requiring the customer to call in for " reallocation '' of such payments when making them. He said that this was not his first such complaint and that he would submit this to management group as " feedback ''. 

On XX/XX/2021, I made another payment, which should have aged the payment due date to XX/XX/2021. However, it stayed aged to XX/XX/2021. 

On XX/XX/2021, I again called Chase. The representative said that if the payment due date is more than XXXX XXXX XXXX XXXX days in the future, the payment won't age the due date further unless the customer calls in to make this request. Such payments are applied as " principal ''. He agreed to request corrected reaging for this payment. I noted that in my payment history on XXXX, the XX/XX/2021 payment is shown as " payment '', not " Principal ''. He stated that despite this on Chase 's own records, it was considered " principal '' unless the customer calls in for reaging. 

Chase is unilaterally revising contract loan payment terms without any borrower agreement or authorization. A contractual monthly payment is exactly that, except when applied by Chase under their " policy ''. I further note that Chase does not even note or disclose this when accepting such payments through their web site. 

Loan documents set out loan repayment terms. Neither the lender, eventual holder, or the borrower can unilaterally revise these terms without full consent of any other parties to the loan documents. Chase call this illegal modification of repayment terms their " policy ''. That does not make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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:
Good Aftereven, ealier today i pulled my credit report through XXXX and I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I contacted the credit bureaus regard this. I also call each and every company before filing the identity theft report. I did not authorized none of these accounts and credit inquires. I never did business with such company. I have attached my identity theft report along with mu drivers license to confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Problem with personal statement of dispute
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Cosigned for mortgage in XXXX. Account seriously delinquent since at least XX/XX/XXXX. Never notified of delinquency EVEN to date by HSBC or the primary borrower. Discovered XX/XX/XXXX when routinely checking credit report. I don't even have an account number for this loan! My credit score dropped from XXXX to XXXX in XXXX because of this account. I obviously pay my bills! HSBC, by NOT informing us of the delinquency, has engaged in unfair credit reporting. How can I be expected to resolve this matter if I'm uninformed? This could have been resolved 2 years ago & modifications made. As I stated I don't even have an account number. Also we have NEVER lived at the address of the loan nor have we EVER received mail there. The address was added to our credit report XX/XX/XXXX without our knowledge or consent! An HSBC representative informed us that the primary borrower can request that the cosigners NOT receive notifications! If we have EVER been notified of issues with this account, please provide us the addresses or phone numbers notified because there are several wrong phone numbers & addresses listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: NV

Complaint narrative:
I was contacted by XXXX XXXX XXXX of a collections notice that has impacted my credit so I requested a full credit report to discover there are two XXXX XXXX accounts with two separate addresses ( XXXX XXXX XXXX XXXX , XXXX XXXX NV XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX NV XXXX ) that were past due in the amount of {$69.00} and {$1300.00}. I have never had any business with XXXX XXXX so I called to report the fraudulent account, also contacted all three credit bureaus and filed a police report.

Company response to consumer: Closed with explanation