vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: MO

Complaint narrative:
Im writing this letter because I sent letters to XXXX Transunion, XXXX, XXXX XXXX, and XXXX XXXX about this Bankruptcy on XXXX XXXX, 2021. I have yet to receive any correspondence about the letters I sent about the validity of them reporting this alleged Bankruptcy on my Consumer Report. Pacer and The US Bankruptcy Court does dont report or verify this information to any 3rd Party Credit Bureaus or Agencies. I have requested the documentation of the information that they have personally verified themselves for this alleged Bankruptcy and I have yet to receive any documents about the verification of this alleged Bankruptcy. 
It has been over 60 days and its still reporting on my Consumer Report and because you have not responded in a timely manner or provided any documents to support the alleged Bankruptcy. The Bankruptcy must be removed from my Consumer Report Immediately. I received a letter from Transunion on XXXX/XXXX/2021 saying that they verified this Bankruptcy but failed to provide the proof the validity and of any documents and source of the bankruptcy. Pacer and The US Bankruptcy Court does dont report or verify this information to any 3rd Party Credit Bureaus or Agencies.

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 2021-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX, 2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
I sent 2 debt verification letters XXXX 2021 allowed over 30 days for a response and the Fidelity XXXX never sent verification of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TX

Complaint narrative:
XXXX ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.

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 2021-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2021 I spoke with senior loan processor XXXX XXXX about what was still needed to finish the approval of a home equity loan. At this time I was told all I needed was a copy of a stimulus check that was deposited into my checking account in XXXX. I told XXXX it would be a few days since my bank would only mail me a copy. At this point I asked Ms. XXXX what the chances of approval looked like and she said 98 % that this was happening and to look for a 2nd week of XXXX for closing. Two days later, I received an email from XXXX informing me that they could not approve the loan. I feel I was misled and lied to by Ms. XXXX concerning my approval. In a separate email, she apologized and said she felt horrible for how this happened. I can provide emails if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: VA

Complaint narrative:
On XX/XX/2021 I sent a letter requesting verification of alleged collections accounts that were being reported on my consumer reports and was being reported by XXXX XXXX, and Experian. I sent another request for debt verification and investigation on XX/XX/2021 and again on XX/XX/2021. I have NEVER received a response from either company informing me of the outcome of their investigations. 

I am now requesting a DEMAND TO COMPLY AND DELETE ALL ACCOUNTS AND INACCURATE INFORMATION LISTED ON THE ATTACHED PDF.

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 2021-05-20 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: Winklevoss Exchange LLC
State: IN

Complaint narrative:
I opened a Gemini account of XX/XX/11 depositing {$1000.00} into my wallet. The problem is that I have not been verified. I have sent the company 3-4 emails regarding my verification but have only gotten automated responses. 
After review of various forms some people have not been verified for months/years. After submitting a request to the CFPB they were verified same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Called Synchrony and reported fraudulent charges, two charges on XX/XX/09 one for {$38.00} and one for {$94.00}. Was told they would be handled, the smaller one was removed and the larger one was not. Had numerous conversations with the fraud department with very little response. We pay are bill in full every month, we paid everything except the two charges. Now we are being hit with interest charges and they act like they no nothing about the fraudulent charges. We have cancelled the card due to the poor service.

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 monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account onXX/XX/XXXX for no reason, giving me the excuse that I went against their user policy. I surely did not after going through their user policy and seeing that they are lying to me. After myself emailing them many times, they will not help me with getting it back up and going. I have been to the financial Ombudsman but all they could do was contact Paypal on my behalf, but Paypal ignored them and said their decision was final. They are holding my money for 180 days XXXX XXXXXXXX to be exact. I have not been able to get help from them for for 2 month. I run a small business of which I am the only person running it, and this is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX  as well as the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I C systems will not provide information about an account I do not have with XXXX. I have no knowledge of an account with XXXX  being closed on in XXXX. IC systems says a collection account was opened in XXXX for the closed account. They will not provide an account number or anything for me to contact 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 2021-05-20 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: TX

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted info to each credit Bureau asking them to validate Bankruptcies thats on my credit report. They did not Validate information requested to be validated.. On XX/XX/XXXX resubmitted same info to be validated in regards to Bankruptcies reporting on my credit report. I contaced my lawyer. He provided a letter stating that my ex wife is making taking care of Chapter XXXX and that the court neither the Bankruptcy courts reports anything to credit Bureaus. I contacted the court on XX/XX/XXXX and was advised that they do not report to Credit Bureaus. I am requesting all Bankruptcies being report to each Bureau Transunion, XXXX  and XXXX  to be deleted immediately. I did not give a third party consent to release any Bankruptcies information to any bureaus.

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 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM, a collection company, claims that I owe a balance of {$310.00} for equipment that was not return to XXXX XXXX XXXX, all equipment were returned to XXXX  XX/XX/2020 I have called IC system, and ask the to send a copy of invoice due, they claimed they do not have one, this account is tie old! 

I C system repeatiadly report me to the national credit agencies. 

Thank you, 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 2021-05-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
LAST XX/XX/2021 I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I ALSO FILLED A 30-DAY DEMAND AND 60-DAY DEMAND TO COMPLY BUT I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 99 DAYS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/21, my son, who is a XXXX XXXX, was emailed a check for {$2000.00} and deposited it into his saving account at Wells Fargo. The person said that my son was overpaid and needed to send her back {$1000.00}. My son used XXXX to send that {$1000.00} back. On XX/XX/21, of course that check bounced causing his savings to go into the negative and consequently, he is out {$3000.00}. This whole situation was obviously fraudulent taking advantage of someone's trust. I went to a branch of the bank to discuss options and left feeling very undervalued as a customer. I expressed my concerns asking questions and the person just offered to close all my accounts for me. They said he is responsible to bring that account out of the negative fully and if not, they would pull money from one of the other accounts to do so. I was informed that if it wasn't paid back, his account and information would be noted with a banking regulator and he would not be able to get another bank account at other banks as well. I've been a customer at Wells Fargo for 25 years and carried a large amount of money in the bank. My immediate family has 8 different checking/savings/investment accounts in this bank. There are actions I feel the bank should have taken to protect it's customers in a situation like this. 1 ) This fraudulent activity isn't the first time it's happened with a bank like Wells Fargo. This was clearly suspicious and they should 'red flag ' certain accounts or even any check not coming from a regular income stream. 2 ) All of this money should not have been made available until the check cleared. Obviously this is a XXXX time and learning lesson for him as a XXXX XXXX  but the bank was neither helpful or sympathetic in the to situation.

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 monetary relief
Consumer complaint received 2021-05-20 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: FL

Complaint narrative:
Experian and XXXX should not be reporting a balance of {$30000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was stolen and the insurance company paid off any balance due. I have attached a copy of the police report and insurance documents for reference. This account needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.

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 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX XXXX 2021 XXXX, I was a victim of fraud and someone purchased {$4500.00} worth of gift cards and other ridiculous items and I contacted my bank immediately to notify them of fraud. 
Chase Fraud Department stated they would fix these issues and at the time they reversed the charges. Three months later, in XXXX the fraud department added {$1300.00} of those charges back to my card and stated that I benefited XXXX which no on benefits from fraud ). I provided them an email from XXXX and XXXX stating these charges were cancelled and refunded and these were fraud charges. 
The Chase Fraud Department is still trying to make me pay for these transactions even though I provided them with the information from both Merchants stating this was fraud and were unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent a letter requesting verification of alleged collections accounts that were being reported on my consumer reports and was being reported by XXXX, Transunion, and XXXX. I sent another request for debt verification and investigation on XX/XX/2021 and again on XX/XX/2021. I have NEVER received a response from either company informing me of the outcome of their investigations. 

I am now requesting a DEMAND TO COMPLY AND DELETE ALL ACCOUNTS AND INACCURATE INFORMATION LISTED ON THE ATTACHED PDF.

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 2021-05-20 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: VA

Complaint narrative:
On XX/XX/2021 I sent a letter requesting verification of alleged collections accounts that were being reported on my consumer reports and was being reported by Equifax, XXXX, and XXXX. I sent another request for debt verification and investigation on XX/XX/2021 and again on XX/XX/2021. I have NEVER received a response from either company informing me of the outcome of their investigations. 

I am now requesting a DEMAND TO COMPLY AND DELETE ALL ACCOUNTS AND INACCURATE INFORMATION LISTED ON THE ATTACHED PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 I received a letter from Capital One indicating it was taking debt collection on an old account of mine BACK FROM " Credit Services. '' But, I had already made my FINAL payment on that account with " Credit Services '' on XX/XX/2021. When I called to inquire on XX/XX/2021 a representative from Capital One named XXXX, ID # XXXX, indicated I still owed over {$400.00}. That is false!!

Company response to consumer: Closed with explanation