vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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 am a victim of identity theft and I disputed the fraudulent information with the credit agencies. I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services described in this report. The credit agencies, refused to remove the fraudulent items after submitting ; FTC report, Police report, credit report, proof of ID and credit report with fraudulent items circled. 


Listed Fraudulent Items below : Account : Account Number : 1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX 4. XXXX / XXXX  XXXX 5. XXXX XXXX DEALER XXXX Wrong Addresses : 1. XXXX XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On or about XX/XX/2021 the bank received a wire deposit of {$2400.00}. 
On or about XX/XX/XXXX, they also received a wire transfer of $ XXXX from my account at XXXX XXXX . 
After calling the bank to find out why the account was blocked from online access. I called and spoke with fraud and security in the name of a representative named " XXXX ''. 
She told me because of a business decision, the account was marked for closure. I for further details, and was told that the deposits were sent in the name of someone else, and it was a business decision to close my account. This can not be true, as the wire confirmation shows my name. I requested that the deposits be sent back to their original accounts of origin. The problem with this is that XXXX XXXX  charges {$5500.00} to return the funds to my account there. XXXX XXXX Bank should return the funds as a course of closing the account, and issue to me final savings statement. But, they have closed the account, and denied access to me to look at the final statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it

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 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I have had big problem with this paypal mess for months now, and now they have added another problem for me. I want to log in on the same pc I always use. I have had no changes with my log in or password. Nothing has changed other than them maybe wanting to hassle me for when they recently would not let me link my bank acct to transfer money. I try to log in and it now wants a mobile number which I do not have. I need my acct unlocked so I can access it. This is causing me problems once again. 

I sat through 2 minutes of messages and number punching to finally get on the wait list for someone to talk to. I then waited for over 10 minutes and still got no one. I worked on this complaint while I was waiting and finally ended the call and I am now sending this complaint to get some action. 

If this company can not operate it properly and with any of these excuse they use they need to shut down their operation as they are causing people all kinds of problems. They seem to have plenty of workers there to hassle me like they did with my last complaint. Some clown there spent who knows how long to give me a hard time with distractions, excuses and non-applying things instead of simply taking care of the problem. Have this same clown work on this one also and I can keep making complaints every place I can find until I get my acct unlocked. Have that clown do some actual work there and stop hassling customers. Why is this company even in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: MA

Complaint narrative:
Fraud on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 21 times a charge off on one account. How can any single account be charged off 21 times? A negative of 4 120 days late back to back. There are only 30 days approx in a month. How can I be 120 days late each month for 4 months? The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score. There is also inconsistent information being reported to different bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Please help! After being a loyal customer for over ten years, TD Bank suddenly decided to " demarket '' my account. They blocked my online banking so I can not transfer my funds. I need your help. They are railroading me. 

On XX/XX/21 XXXX XXXX, the store manager, told the Customer Service Representative, XXXX, that all I needed to do was come to the branch and my funds would be released in-person. XXXX even said I could go through the drive-through to pick up the funds. So, I did what I was told. I arrived at the bank at approximately XXXX and XXXX XXXX and her banking associate, made me wait for almost two hours. They did not see me until XXXX. They knew who I was. They treated me with disrespect and discrimination. I would not recommend this bank to anyone. XXXX XXXX should not be a manager. She treated me like a common thug. 

Finally, two hours later, XXXX XXXX says she does not know what I am talking about. She tells her partner to call the mysterious " Marketing Department ''. The associate calls and leaves a voicemail. A voicemail? Really. XXXX XXXX said the department must be closed. She is a liar. I read that they department does not answer phone calls. She says they will get back to them in 24-48 hours. But, they never indicated when they will get back to me? Nor did they answer any of my questions. They did not explain why my account was de-marketed. They did not even want to help me. I asked why XXXX told me that the money would available when I got to the bank? They had no response for me. They were rude, cold, and they did not help me. They did not care about my situation. XXXX XXXX needs to be replaced with a manager who actually cares about human beings. 

I have over 2500 $ -3000 $ in the account. They blocked my online banking so I can not see what the exact total is. Please help. TD Bank is horrible. After being with the bank for XXXX years, you think they would have the common courtesy to treat you with an iota of respect. They are thieves. 

I trust you will help me get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XX/XX/XXXX Equifax ( equifax.com ) continues to refuse to provide a free annual credit report online from the official annual free report website : XXXX I never have a problem receiving my report from XXXX XXXX or XXXX. 

Equifax gives me the message : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service P.O. XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is completely unacceptable. Equifax is requiring I pay to make copies of documents as well as postage & requiring I fill out a form and mail it to them. 

Also on the form they are requiring that I list my social security number and requiring I send a copy of my social security card. 

This is not appropriate & outrageous requirements. 

It is unsafe to send documents by mail with a full social security number printed on it. Apparently Equifax has not changed their security practices after they experienced a major hack & compromise of user data & confidential information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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:
In XX/XX/2021, I sent a letter about inaccurate and unverifiable things on my credit report, and it has gone unanswered for over 60 days. I'm still waiting for a response. As a result of my disputes being ignored, I feel that I'm being taken advantage. My personal information was also impacted as a result of the Equifax data breach, and it may have ended up in the wrong hands. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days over so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: MD

Complaint narrative:
I have student loans that are currently reporting inaccurate as delinquent accounts that should have been removed already. The accounts are causing harm to my credit score and are negatively impacting my credit application decisions. The accounts are in good standing by fed loan servicing and I can provide proof that they are not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I thank you XXXX XXXX for the XXXX dollar check but the truth be told XXXX isnt close to the amount of money I am out in this ordeal. I have waited a long time for this refund of losses. And I thought this wasnt going to prove this difficult. I waited until the date you all asked for in court and 10 months more and have a fraction of the money I feel is rightly owed to me and I would still ask you to please look at this again and please be fair with the refund. I thank you for what you have sent already but I would still want outside mitigation at this time even with the XXXX extra. I understand the economy is poor right know but I have been waiting 15 years for this. 
Please Thank You 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 2021-03-24 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: AMERIS BANCORP
State: GA

Complaint narrative:
My XXXX  credit report shows my auto loan as closed and transferred, this is incorrect. I disputed the matter with XXXX and have been informed that Ameris bank has updated my account to show as closed/ transferred or sold. I have been making my payments on time and would like Ameris bank to correct this matter by reporting accurate information about my auto loan to XXXX. XXXX credit dispute number is XXXX, and I received the results of my dispute today XX/XX/2021, which still shows inaccurate information. My auto loan originated with XXXX bank which they company named switched to Ameris bank. The old account that was with XXXX was changed to the new account number XXXX with Ameris bank. My auto loan with Ameris bank is opened, current and paid as agreed, I would like Ameris bank to correct my credit file with XXXX  to show as open, the original balance, current balance, how much is monthly payment and account status as pays as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TX

Complaint narrative:
I have contacted Transunion and XXXX on numerous occasions in regards to the duplicate Bankruptcy that is on my credit for XXXX please see below as this doesn't belong to me. I provided the document to confirm that the one for XXXX is the only BK I submitted. See the attachment jts not for this below. 

Type Chapter XXXX bankruptcy dismissed Case number XXXX Date filed XX/XX/XXXX Status date XX/XX/XXXX Date reported XX/XX/XXXX Date paid XX/XX/XXXX Account Designator Co-maker

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 2021-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I owed XXXX around {$550.00} in XXXX and in XXXX, my wife received a large settlement due to a lawsuit and we paid off all of my debt, including this bill from the collection company Credit Collection Services. I paid them through an automatic system at a " 50 % discount '' that they claimed I qualified for, and now 3 years later, I am receiving the exact same letter with the same " qualifying discount '' even though I already paid them. They told me they have no record of my payment and I even found my bank statement showing my payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have reached out to CFPB previously to resolve this issue regarding a credit card that was obtained in XXXX reflects me as a co-debtor despite the fact that I was not even born until XXXX. The company reached out to me apologizing that the error was on their part but the debt remains on MY credit report. This credit card is nearly maxed out and it is directly affecting me from being able to utilize and or establish credit in my name. How can I have this error removed from transunion and XXXX? It appears to be removed from XXXX but still present on the other two despite the previous report being in excess of 30 days. Please help! This credit card has a limit of {$12000.00} and it pretty much stays at that at all times drastically affecting me overall use of available credit!

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reached out to CFPB previously to resolve this issue regarding a credit card that was obtained in XXXX reflects me as a co-debtor despite the fact that I was not even born until XXXX. The company reached out to me apologizing that the error was on their part but the debt remains on MY credit report. This credit card is nearly maxed out and it is directly affecting me from being able to utilize and or establish credit in my name. How can I have this error removed from XXXX and equifax? It appears to be removed from XXXX but still present on the other two despite the previous report being in excess of 30 days. Please help! This credit card has a limit of {$12000.00} and it pretty much stays at that at all times drastically affecting me overall use of available credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am in help of the Consumer Financial Protection Bureau. I am a victim of Identity theft and a fraudulent checking account was opened in my name. I filed a report with the Federal Trade Commission and have attached with all my other accompanying documents. Its preventing me from moving on with my life because no bank wants to do business with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CO

Complaint narrative:
XX/XX/XXXX - Without any fraudulent activity whatsoever, or anything that could be perceived as such, Bank of the West " temporarily blocks '' my debit card without contacting me. 

I notice over the next few days transactions declining. I thought, that's weird, and I have the balance to cover, must be a problem with the bank. I used a credit card and moved on. After the 3rd time, I was really concerned and tried to call the bank. I sat on hold for over an hour in a business waiting to pay for my items. It was a waste of time, and an embarrassment. At this point I couldn't wait on hold anymore and had to just move on with my day. 

XX/XX/XXXX - 5 seperate calls to the bank. 3 to the customer service line totaling 6 hours on hold, 2 to the local bank, which is simply an automated " We are open from these hours to these hours '' and hangs up. I am extremely frustrated, and don't have any more time in my schedule to deal with this at the moment. The bank is refusing any attention to my problem. I still have not been able to access my funds since the XXXX. 

XX/XX/XXXX - Send a message through banking app requesting information, get a response telling me to call the Fraud Prevention Department. 

XX/XX/XXXX - I call Fraud Prevention Department number provided, they say that they have no record of my account at all and to contact customer service - the same people who told me to call the FPD. Attempt to call back the Customer Service Department, still waiting on hold. The customer service line has been " experiencing higher than anticipated call volume '' for over 10 days without customers being able to reach them at all. They do not care that my bills will be overdue because of their negligence. As of today, their website and mobile app are down in several ways ( cant check balances or access home equity line of credit services ) and there is nobody available via phones either. That means 0 % access to accounts for almost two weeks.

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