vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-17 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: SC

Complaint narrative:
Around XXXX XXXX XXXX received completed compliant from Experian. XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XX/XX/XXXX.All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy 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 explanation
Consumer complaint received 2019-11-17 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: MS

Complaint narrative:
fraudulent hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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:
There is an account on my reports that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa and is affecting my financial well being and overall standard of life and it could lead to civil to litigation

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 2019-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My auto-pay payment was not processed, and I was hit with surprise late fees. I was charged three late fees totalling about {$100.00} ( on an original purchase of only {$74.00} XXXX before I was able to get ahold of customer service. I called the bank and while they removed two of the late fees when I paid for the original purchase over the phone, they still kept one of the late fees ( conveniently for them, the largest of the three ). 

I have since paid for my original purchase, but my balance still shows positive because of this illegitimate fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
On XX/XX/XXXX a debt from Enchanced Recovery Soultions or Company appeared on my credit report for XXXX XXXX XXXX XXXX whatever that is, I do know I do not or have not had XXXX XXXX, it had no dates or identifying info ... but I have lived in the state I am in now for seven years and they company we use is NOT XXXX XXXX So I don't know if this is for a different person or an old debt for someone eles but it's not mine and their mistake has had severe effects on my credit. 

It says opened XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$630.00} {$630.00} Payment Info Original loan amount {$630.00} Balance {$630.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX please remove this immediately and do not place false invalid debts on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: GA

Complaint narrative:
There is an account on my reports that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa and is affecting my financial well being and overall standard of life and it could lead to civil to litigation

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 2019-11-17 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:
There is an account on my reports that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa and is affecting my financial well being and overall standard of life and it could lead to civil to litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae Bank negligently permitted an unauthorized individual to remove over a half million dollars from my money market account starting XX/XX/2019. This happened over more than a month with huge amounts being fraudulently withdrawn day after day, after day, sometimes more than once a day. They were totally unaware that it was going on for weeks, they never notified me and I had to notify them about the problem. 
After I notified them, they froze my account, including non stolen funds, and I have not been able to get at my money for weeks. Sallie Mae was very unhelpful, never contacted me to get the account restored, refused to permit me to escalate the matter, and their consumer advocacy arm did nothing. They said they were working hard at it but blamed it on their 'new system '. They did not follow through with what they assured me they would do. They waited weeks to send me needed documents to sign instead of doing so immediately, thus keeping me from my funds now, weeks later. I felt they were totally protecting themselves and looking out only for their interests and had no regard for their customer. Law enforcement and other banks who reviewed the matter could not believe how ineffective their fraud prevention was. Officers of the bank did not respond to me despite numerous emails and calls. I feel no one should feel safe leaving their funds at Sallie Mae. Even trying to contact them was a nightmare with no one answering phones for long periods of time and then telling me only that the account was frozen. I still do not have access to my money and have had no reassurance that I would be fully compensated for their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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:
FRAUDULENT ACCOUNTS HAVE BEEN FLAGGED WITHIN MY EXPERIAN CONSUMER CREDIT REPORT XX/XX/XXXX {$6200.00} CHARGE OFF XXXX XXXX XX/XX/XXXX {$230.00} CHARGE OFF XXXX XXXX XXXX XX/XX/XXXX {$330.00} CHARGE OFF XXXX XXXX XXXX XX/XX/XXXX  {$300.00} CHARGE OFF XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXX INQUIRING DATE XX/XX/XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: FL

Complaint narrative:
Bay area credit servic has an account on my credit that is not mine/inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
Professional adjmnt co has an account on my credit that is not mine/inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, 2019, I decided to make a purchase on XXXX. My decision to buy was based on the advertised PayPal Credit option to pay. I selected the option to apply for new credit with PayPal Credit and was immediately approved for a credit line of {$6500.00}. I was rerouted back to XXXX to complete my purchase and the option to use my PayPal Credit account was not available. 

I immediately sent a message to XXXX who stated the concern was not with their listing but with PayPal. I contacted PayPal Credit who told me that " internal security '' blocked the transaction. They would not give me specific details as to why the transaction was blocked nor would they allow the transaction to be whitelisted and approved. 

I told the representatives that the sole reason I applied for this credit was to purchase the item with the PayPal Credit listed as a method of payment. The representatives ( including management/supervisors ) were unwilling to assist. At this point, the entire reason I applied for the credit account was to purchase this particular item. The purchase was denied and no one will explain why ( beyond " our systems told us '' ) nor will they allow the transaction to force pay. 

The representatives stated that PayPal Credit reserves the right to approve/deny any transaction but they are not allowed to advertise their payment is accepted for transactions and then deny that advertisement. This is unfair and deceptive advertising and is an explicit prohibition of UDAAP.

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 2019-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eagle Accounts Group, Inc.
State: FL

Complaint narrative:
Child support has an account on my credit that is not mine/inaccurate.

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 2019-11-18 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: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
I paid off my loan in XX/XX/2017, One Main showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. One main reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling One Main numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX but not XXXX  or XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: IA

Complaint narrative:
My home loan with account number XXXX shows it was late for XX/XX/2019 however the account was paid in full on XXXX XXXX, 2019. And closed .How is it possible for the account to be late in XXXX if it was closed on XX/XX/XXXX. 2019?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: FL

Complaint narrative:
experian, XXXX and XXXX has an account on my credit that is not mine/inaccurate. 

Accounts-not mine XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I checked my credit score today and it dropped 50 points. When I checked the cause of it, it says that an account was closed between a XX/XX/XXXX and XXXX of 2019. It say SYNCB/PPC credit card appears to have been closed. Looking into the name, it shows it is PayPal. I have never in my life had a paypal credit card. Now its showing the account as closed. This seems like some kind of fraud. I have a paypal account but it is connected to my bank and my bank card. I do not have any lines for credit card so I need this corrected, as Ive been working very hard to improve my credit score.

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 2019-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I am attempting to refinance my Ditech mortgage. During the title search process it was found that Ditech reported a second mortgage dated XX/XX/19 for {$0.00} XXXX XXXX # XXXX. I do not have a second mortgage with Ditech just my primary. I have been contacting Ditech since XX/XX/19 and have not heard back on the status of my inquiry. I ask that they remove this second lien on my title and that they provide me a written letter stating the details of my one and only mortgage with them and that this second XXXX lien was reported in error. 
I reached out to HUD to review this information and they stated that they have no record of any loan on my property or in my name as my loan with Ditech is a conventional loan and not an FHA backed loan. 
I am trying to get a leaky roof repaired ASAP with my cash out refi that I am seeking and now have gone months with no request and the water leakage is causing more unnecessary damage and there is no one that Ditech allows me to speak to regarding my inquiry. They just ask me to fax in a letter and I will get a response within 30 days .... well it has been 3 months and I have not gotten any resolution nor has a manager reached out to me about this ongoing issue. They are in effect, holding me XXXX and causing more unnecessary damage to my property due to their nonresponsiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: FL

Complaint narrative:
XXXX XXXX  and Transunion has an account on my credit that is not mine/inaccurate. 

Accounts-not mine XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: FL

Complaint narrative:
XXXX, Equifax and XXXX has an account on my credit that is not mine/inaccurate. 

Accounts-not mine XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I, wrote a check to a friend for {$130.00}. On that date she took the check to her Wells Fargo bank branch in XXXX XXXX and cashed it. 
A few days later the bank returned the check saying " refer to maker " and deducted the {$130.00} from her account. She contacted me at which time I pulled my XXXX XXXX XXXX statement that showed the check cleared my account. I have since received the copy of the check showing it cleared XXXX XXXX XXXX. When trying to provide the information to XXXX XXXX " Financial Crimes Manager " XXXX I was informed that she could not discuss with me because I do not have an account with Wells Fargo. The person I wrote the check to proceeded to contact the XXXX XXXX XXXX investigation unit and the response was that they could not help her, it was a XXXX  XXXX XXXX problem. I have subsequently received information from XXXX XXXX XXXX, front and back of check, showing funds were wire transferred to Wells Fargo. Wells Fargo has neglected to provide any information that the funds were never received. Nor will Wells Fargo reach out to XXXX XXXX XXXX. 

I have all documentation that is needed. Wells Fargo : XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In XXXX, XXXX, XXXX and XXXX of 2019 Transunion allowed XXXX funding to place a collections account on my credit report. XXXX did not allow the oppurtunity to dispute the account before reporting it. I have submitted online disputes via transunion to have this account removed and Transunion has allowed the account information to be parrotted via XXXX I requested verification and substantiation from XXXX each month and the company did not properly address my dispute request. I called transunion to submit a dispute about XXXX informing them that the company has not validated or substantiated this account per my request. I asked TransUnion to verify how they validated this debt and they could not tell me .Transunion and XXXXXXXX have both broken the law and need to have this alleged account deleted 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 2019-11-18 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received a notice that SYNCB/PPC also known as Synchrony Bank, had closed my paypal account between XX/XX/XXXX and XX/XX/XXXX. It showed up as something that may lower my credit score. I have never given Paypal or Synchrony Bank permission to run my credit or do anything with my account. 

I was not contacted by them to be told of the changes. I do not want to have my credit negatively impacted by a company that had no permission to do anything with my credit. I have previously had problems with someone trying to take funds out of my paypal account in XXXX, and have not used it since due to this reason. 

I called the company on XX/XX/XXXX to have them run a dispute on the changes.

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 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capitalone has two of my credit card accounts. One they purchased from Orchard bank which I guess went out of business. At the time my Orchard card was at 14 % interest. Lower then my capitalone card, until they bought the Orchard bank account. Then interest went up, dont even know if this is legit. Anyway my problem is they recently gave me a credit increase on the one card on XXXX to XXXX dollars. All I asked was for a credit line increase on the other card recently XXXX of 2019. Last credit increase on the card asking for an increase was on XXXX to XXXX dollars. There excuse or reason for not giving me an increase is that I dont pay enough per month on my card. Then I looked at my payment history. Payments were well over 10 times the min payment. XXXX one month XXXX another a XXXX one month. Yeah Im paying down my credit cards isnt that the objective. They could of came up with a better reason then that. I feel they are probably making more in interest off of me on the other card and want to give me more room on that one to charge up cause they make more money in interest. Might I add Never late, Never missed a payment. This is how they treat loyal customers. So reaching out to anybody on the phone is of no help, so thats why I am writing this complaint.

Company response to consumer: Closed with explanation