vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, XXXX, and Equifax have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: LEXISNEXIS
State: LA

Complaint narrative:
I keep not being able to be verified by the many company that use lexisnexus and it is causing a huge headache and is a huge pain in the XXXX. This company is so difficult to get in touch with and does not understand that when they make a mistake it affects peoples lives tremendously. All of the money that they are making they should invest more of it to make sure people have easy access to their own report and easy to correct incorrect information. A company that pays can easily get information instantly about you but it can take months for you to get your own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was removed from my credit report and placed back on my credit report without notice from the credit bureau. I disputed this account with all 3 agencies and was not sent any validation or verification coming back that this account belongs to me. This account was removed from each agencies. This account was placed back on by profile by XXXX and experian without notice to me and without validating this debt.

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 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
COMPANY XXXXORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX   DISPUTED THIS DEPT WITH EACH CREDIT AGENCY THIS DEBT WAS REMOVED FROM BOTH XXXX  AND XXXX  ANDREMAINS ON EQUIFAX, I REQUESTED FOR VERIFICATION AND VALIDATION OF THIS ACCOUNT AND THIS WAS NEVER RECEIVED AND i WAS NOT NOTIFIED THAT THIS ACCOUNT WAS PLACED BACK ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX PayPal advised me that they were placing a six-month hold on the funds in my account. At that time, they told me that at the end of six months I would receive an email with instructions to recover my money, approximately {$2700.00} XXXX. 

Then on XX/XX/XXXX, my balance was reduced to nil by way of two transactions that I did not authorize, described only as " Transfer ''. One was for {$1300.00} XXXX, the other one was for {$1600.00} XXXX. 

After 50 minutes I was able to speak with an agent on XX/XX/XXXX, who advised that the funds were indeed taken over by PayPal due to a violation of their T & C. He said that he was unable to say what terms and conditions were violated due to security reasons. When I asked him to explain the incredible coincidence that the amount they " fined '' us was exactly equal to the amount of money we had in our account, he advised that they can take anywhere up to {$2500.00}. 

PayPal has stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding this account in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. This account has to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Reporting on : XXXX XXXX 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 2020-01-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding this account in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. This account has to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Reporting on : Equifax XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX we had someone come to our house to give us an estimate of how much our new windows will cost us he then said it will be {$5300.00} if we pay by XX/XX/XXXX but any day after XX/XX/XXXX the Company Greensky ( Loan Company ) will then start charging me interest which i understood .I come to find out the the Company Greensky which gave me the loan for the windows are stating that i was given false information by the representative that came in that date and that the promotion was only for 12 months and not 18 months which would of been XX/XX/XXXX XXXX then find myself with the surprise that not only i been late but i now have to pay from {$5300.00} to almost {$8000.00} since they gave me False information .What i ending up doing was paying the 3 months that was " late '' which was {$630.00} for it not to affect my credit since this shows up in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit reporting agencies are showing two accounts on my report as though I am an authorized user. I do not know anyone that has a XXXX XXXX card or a XXXX Card. Also  XXXX  is reporting an inquiry with XXXX which I did not apply for. That was a fraudulent account and they did remove the actual account but not the inquiry.

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 2020-01-17 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: FL

Complaint narrative:
The credit reporting agencies are showing two accounts on my report as though I am an authorized user. I do not know anyone that has a XXXX XXXX card or a XXXX XXXX. Also Equifax is reporting an inquiry with XXXX which I did not apply for. That was a fraudulent account and they did remove the actual account but not the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
The late remarks are sporadic. One account, XXXX, the OK payments was followed by CO remarks. XXXX also reports late though there are no late remarks to prove it. THis is really getting out of hand. I have been disputing them for the longest time. Please help me get rid of those inaccurate accounts.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing this account XXXX/XXXX XXXX several times only to recieve a letter that there information on my credit report is accurate. I have sent proof over and over where it shows inaccuracy with address. I have no knowledge of this account and this account is hurting my credit scores.I have been trying to build my credit in hopes to purchase or even rent a bigger home for my kids and I. This account keeps my score down. I have the papers that was sent to me by the creditor them selfs and it shows inaccuracy. I just want this off my credit report please

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 2020-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
The problem is with U.S. Bank Home Mortgage # XXXX. 
I am being shaken down my current XXXX XXXX XXXX company for triple the current premium and I need to get a new policy. However, I have a XXXX XXXX policy and I have been trying to send send them documents that should be adequate for coverage. I have been unable to upload the documents via their website and the fax was not going through either. I can mail these documents but it will cost me a lot of postage to send the multiple pages through the mail when this should work electronically. The bank can't figure out a way for me to do this electronically? Are we still living in the 20th Century? Why can't the bank 's website work. The bank 's website works when I make a payment but when I am trying to save money with insurance it doesn't work? I guess that works out well for the bank who can write home insurance policy that is triple what I am paying now? Please help me because nobody is respecting my rights or communicating with me and since everybody I talk to on the phone is a women I feel I am being discriminated against for being a white male with a small mortgage.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently bought Vehicle XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
and the autoloan provided for this is XXXX XXXX XXXX 

I was able to make payments on my Autoloan continuously from XX/XX/XXXX till XX/XX/XXXX. Issue started with XXXX payments. 

Issue : My Car dealer sold me a wrong Car with different VIN number it seems ( Attached are the request from Dealer in SMS texts ). They urged me to come back and complete the new paperwork that reflects the new VIN number of the Vehicle. Which I did apparently, and asked them would this be an impact to any where like Funds, credit reports etc but they said no changes at all and you should be good just with paper work XXXX This happened in XX/XX/XXXX ). After this episode I normally logged in to make XX/XX/XXXX payment and then the Loan account ( {$30000.00} XXXX shown as Paid off ( Online ). I received the Old Vehicle Title and New registration in the Mail as well. 

Looking at this I had called in the bank to identify who paid it off, and bank did not disclose it, After a week time from the week paid off, I decided to login again and make payments if any, this time the new loan amount ( {$30000.00} ) was posted back, but when I tried making payments they did not let me do that by throwing an error called technical difficulties. This happened almost 6-7 times, then I contacted the bank to figure out the issue and they started making different stories all the time saying My source bank had the issue, later on they said its locked, and once they said this is because you missed your current payment and its gone to collections already. 

Starting XX/XX/XXXX I made numerous calls to bank and figure out a way to clear this out, but they were not helpful in resolving this issue and keep on transferring my called to various departments. I tried contacting XXXX and they said they do not care about these things once Car is sold out of the Lot. 

Please look into this issue and attached are the Texts from the XXXX XXXX regarding this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-17 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: OK

Complaint narrative:
I have a dispute comment on my credit report : Delinquency past due account ( note on credit report ) I have contacted the agency to have remove this from credit because I have make s payments and the account is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
We contacted XXXX XXXX to inquire about a home equity line of credit. XXXX XXXX XXXX XXXX NMLS # XXXX was the agent assigned. I explained to her that I wanted a home equity line of credit only. She said that was fine and just needed to run our credit. After running a hard inquiry on our credit history, she stated our credit was good however XXXX XXXX does not offer home equity loans. I asked why she would do that when she was aware we only wanted a home equity loan. She stated that it so she could offer others XXXX XXXX products. The credit report was ran under false pretenses and caused our XXXX XXXX to drop. We have contacted XXXX XXXX to ask for help with correction of our credit report. She has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX. I didn't receive the letter until around XX/XX/XXXX or even later. I just found out that this client/law firm filed a lawsuit against me in my county on XXXXXX/XX/XXXX. I just made a complaint on them yesterday not knowing they did this. 

This law firm did not give me the required 30 days to even RESPOND to their letter and filed the suit early. 

I have no notice of the suit being filed, no summons, no letters, etc. that the suit was even filed or going to be filed. The letter was a demand letter to send payment. 

I told them yesterday that I would be happy to make payments on this account at $ XX/XX/XXXX month or even more increments but I dispute the almost {$600.00} in attorney 's fees. 

I REFUSE to pay ANY attorney 's fees, especially ones that are {$600.00} to write a one paragraph letter. 

I will also complain for the second time regarding this to the TN XXXX XXXX regarding their lack of communication tactics. This lawsuit was filed LESS than the 30 days that is required for me to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was checked my credit report and discovered a fraudulent account was reported by WELLS FARGO CARD SERVICES ( ACC NO : XXXX ). I contacted Wells Fargo Bank and credit reporting agencies and stated that this Wells Fargo account did not belong to me. Meanwhile, I filed the FTC Identity Theft Report and submitted this document to the company and credit bureaus. The XXXX, XXXX, and XXXX deleted this fraudulent account. After all, XXXX reinserted the fraudulent account back to 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 non-monetary relief
Consumer complaint received 2020-01-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}, {$10000.00}, {$6900.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) -- ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account.

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