vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
My Citizens account was overdrawn by {$510.00} total over a matter of days. I was charged 5 overdraft fees.I recieved an email and text from Citizens at XXXX on XX/XX/2021 stating I was overdrafted {$510.00} and if I made a deposit by XX/XX/2021 by XXXX NO fees would be accessed. I reached out via chat, email, XXXX, XXXX, and phone. I was told by XXXX XXXX " noones going to help rebate that '' even though I sent over email of proof dated XX/XX/2021 by XXXX. A deposit of {$1000.00} was in my account before XXXX XX/XX/2021 therefore meaning any fees assessed on the {$510.00} the email stated would be refunded. I was told no that i would not be refunded and " noones going to rebate that ''. I followed my own banking institutions email instructions and still being charged multiple overdraft fees I would like refunded. They call it " peace of mind '', but if they dont do what their text and email specifically states what kind of " peace of mind '' is that?? I just want my account rectified by having fees rebated as email to me on XX/XX/2021 at XXXX said I would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: NV

Complaint narrative:
I have requested multiple times the unacquires be removed of my credit profile. This issue has limited my ability to seek employment, obtain credit, and I am not able to get loan and credit that qualifies to my personals because of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: NV

Complaint narrative:
I have requested multiple times the unacquires be removed of my credit profile. This issue has limited my ability to seek employment, obtain credit, and I am not able to get loan and credit that qualifies to my personals because of this issue

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 2021-12-16 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I found out there are some negative elements that are hurting my credit history, those elements do not belong to me. 1. XXXX Date of inquiry : XX/XX/2021 2. Collection Account NumbeXXXX : XXXX 1. XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-16 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: AFNI INC.
State: OH

Complaint narrative:
This is my second time disputing the following accounts : -XXXX XXXX XXXX  XXXX XXXX # XXXX -AFNI, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This account do not belong to me. Please remove the negative items as soon as possible they are hurting my credit. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I, the consumer received a disrespectful debt collection letter from NATIONWIDE CREDIT , INC. attempting to collect a supposed debt. The debt collection letter stated that Nationwide Credit , Inc. is a debt collection company. With that being said, Nationwide Credit , IncXXXX are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Nationwide Credit , IncXXXX violated 7 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: NC

Complaint narrative:
I sent certified mail, return receipt to XXXX, XXXX and TRANS UNION requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.

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 2021-12-16 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: NC

Complaint narrative:
I sent certified mail, return receipt to EXPERIAN, XXXX and XXXX XXXX requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.

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 2021-12-16 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: NV

Complaint narrative:
In XX/XX/2021, I switched my cellular XXXX to XXXX. At that time, they created duplicate accounts due to their own system errors. I was unaware of this duplicate account until later. Several attempts to correct it were unsuccessful over many months and XXXX reported the account to the credit agencies. XXXX has since admitted their mistake and pledged ( via written letter to me ) on XX/XX/2021 that the account would be completely deleted from all credit agencies. In addition, I have submitted multiple disputes with the credit agencies. Those disputes were closed with the result saying that the account was verified to be accurate. As of today ( XX/XX/2021 ), Transunion and XXXX both still show the mistaken account on 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 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
recently review a copy of my credit report and I realize that as a consumer Credit Collection Services is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is my second time disputing the following accounts : -CAPITAL ONE BANK XXXX XXXX # XXXX -XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE  AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Possible Financial Inc
State: OH

Complaint narrative:
This is my second time disputing the following accounts : -XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: FL

Complaint narrative:
I am a health and wellness coach. 
On XX/XX/2021, I gave a seminar to some potential clients and for those that wanted my services, I used Paypal for payments. Paypal accepted all the transactions and took their transaction fee, however one specifically was a large amount of money, {$27000.00} from a client. 
Paypal requested some additional documentation which I provided to the best of my ability. I contacted them and they said they would send the issue to their back office. 
Two days later I received this email. 

You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. 221_reason11 As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. 

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. 

If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

We regret any inconvenience this may cause.

So I looked up violation number 11, which stated : 11 - Online Dating : Any dating services that enable individuals to find and introduce themselves to new people with the goal of developing a personal or romantic relationship. 

I called a supervisor, XXXX on XX/XX/2021, at XXXX am, who told me that once a decision is made, there is nothing that anyone can do. I told her that I am not doing online dating and she said there was probably an error but no one can do anything about it and I had to wait 180 days or XXXX a year and maybe I might receive my money. 
The total amount in question is {$37000.00}. 
It will be nearly impossible for me to run a business without those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
XXXX purchased my mortgage from the originating Bank in XXXX. In XXXX I filed a chapter XXXX and XXXX either sent the reaffirmation paper work and did not handle it properly OR they did not. ( XXXX had a second and it was reaffirmed and paid off ) Since that time XXXX has NOT reported my continuing loan payments to the credit bureaus causing me to be unable to get a favorable review as I have searched for a mortgage refi ( or any loan for that matter ). Recently I took advantage of the government mandated Forbearance program, during which time I paid my escrow amount each month. The program ended for me and I began paying the mortgage payment ( reduced by {$20.00} ) in XXXX. I now have seen a email account update where XXXX has not added time to the loan, but moved the unpaid interest and principle to the " balance line ''. I have asked for a refi with today 's fantastic interest rates and the answer is NO. NO OTHER mortgage lender is willing to take me on as a customer. I am hoping to negotiate a new loan with WF at today 's rates, but that does not seem to be an option for them. Please advise as to what might be options to move forward with this situation. Thanks, 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 2021-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: VA

Complaint narrative:
This is an issue with Sierra Pacific Mortgage Company. 
I was contacted by my county that my XXXX real estate taxes were not paid and now in collections. I contacted XXXX XXXX in XXXX to question this situation as they were responsible to pay them out of my escrow. I was told it could take up to 2 weeks for the investigation and I would be contacted. After the 2 weeks was up I contacted them again and at this point I was told they concluded they were at fault. They told me they were going to overnight the check and there was nothing I had to do. That proved to be completely false information. I contacted my county and collection agency to see if it was rectified which to my surprise it wasn't. I contacted them again and had to explain everything over again, once again told they were handling this ASAP. Well they didn't... I contacted them numerous times since, asked to speak directly to supervisors which once again required the entire story and they would " look into it ''. All asking me to submit paperwork again that I had already submitted. I asked them numerous times to give me something in writing stating they had sent payment out all of which was denied with explanations that was something do not do. I spoke to a supervisor named XXXX who promised me a return call which also did not happen. When I called back again and asked to speak to her I was told there was no way to talk to her but they would put me through to a supervisor .... This situation with me contacting them has happened close to a dozen times. On XX/XX/XXXX I was told once again they were going to overnight the check. Only to call XX/XX/XXXX and be told by a different employee they DO NOT overnight checks ever and best case would be handled by XX/XX/XXXX but if it was going to impact my closing I could contact a lawyer. I have been lied to over and over and over again. This is impacting my credit, impacting me refinancing which will put me right back in this circle of frustration with this untrustworthy, unreliable and fraudulent mortgage company. I had a closing to refinance this property set for XX/XX/XXXX which had to be delayed until today XX/XX/XXXX to give them time to fix this issue which ended up with me being required to pay their fees that were in collection .... Attached is a letter from them dated XX/XX/XXXX saying they would handle this. This has been ongoing since XXXX and as of today at my closing XX/XX/XXXX they still have not paid their fees incurred by their irresponsible actions. I have filed a complaint with the XXXX  which is currently open and communication has ceased on their part. Their only replies were stating that they would contact me ASAP which hasn't happened. They have all my information, they have all the required documents I have wasted hours upon hours talking to different people only to be given the complete run around.

Company response to consumer: Closed with explanation