vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: NY

Complaint narrative:
Company promised a {$75.00} promo for getting direct deposit over {$500.00}. I got a direct employer deposit of {$500.00} on XX/XX/2020 yet the promo did not credit as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit system did not verify the debt according to the FCRA. There was no proof that this debt belongs to me and it should be deleted and removed. If not I will pursue legal action. You will also be fined {$1000.00} if you dont remove this inaccurate information. I did not authorize this at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: WI

Complaint narrative:
My son sent me money he owed me. Paypal received the money but they would not release it to me ( deposit in my bank account of record ). I pestered them about it and they sent me an email saying I had to send them my DL, copy of tax return and bank statement. I stupidly did so, and then I get an email saying I broke their term of usage and could not use their service. I tried to close my account because I did not want them having my banking information anymore and I can't close my account. They say there is a problem with my account ( that they cancelled )! I have tried dozens of times to contact their customer service and all I get are robotic replies. I just want to close my account.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I have an account from Amerassist AR Solutions on my XX/XX/XXXX report. I sent a validation letter and didnt getting anything confirming that it was me. I would like this account deleted. It does against the FCRA because they didnt verify the debt. I will attach what was send for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have an account from XXXXXX/XX/XXXX XXXX on my transunion report. I sent a validation letter and didnt getting anything confirming that it was me. I would like this account deleted. It does against the FCRA because they didnt verify the debt. I will attach what was send for validation.

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 2020-11-22 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I have attempted several times to resolve this. Apparently someone used my identity to secure a car loan. Not mine! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
cheystem reporting XXXX XXXX XXXX XXXX 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 2020-11-22 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: NY

Complaint narrative:
I have attempted several times to resolve this. Apparently someone used my identity to secure a car loan. Not mine! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: NY

Complaint narrative:
I have attempted several times to resolve this. Apparently someone used my identity to secure a car loan. Not mine! Please help.

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 2020-11-22 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: TX

Complaint narrative:
I have a negative account on my account from XXXX XXXX XXXX. This account has not been validated. I would like this account deleted immediately. Its against the a FCRA to added false information on my credit report. I Would like this item removed. There will be attachments that was sent to me from 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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed this inquires before with TransUnion. I don't recognize this inquires. 
The list of unknown inquires are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX They sent me a letter that they are correct and accurate but I did not received any proof of them. I do have a personal statement on file, I was never notified when this inquires were pulled.

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 2020-11-22 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: TX

Complaint narrative:
I have a negative account on my account from XXXX XXXX XXXX. This account has not been validated. I would like this account deleted immediately. Its against the a FCRA to added false information on my credit report. I Would like this item removed. There will be attachments that was sent to me from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: TX

Complaint narrative:
I have a negative account on my account from XXXX XXXX XXXX. This account has not been validated. I would like this account deleted immediately. Its against the a FCRA to added false information on my credit report. I Would like this item removed. There will be attachments that was sent to me from 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 2020-11-22 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX are not mine sent police report FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was shopping on XXXX on XXXX XXXX and came across this XXXX XXXX bag. in the description advertising a XXXX XXXX XXXX XXXX it states, " 100 % authentic. Smoke and pet free home. DO NOT PURCHASE WITHOUT KNOWING FULL DETAILS. Amazing bag, amazing Condition! Same day shipping. Txt for more info XXXX. '' So I reached out to the perpetrator, regarding the bag. I made an offer for {$670.00}. She accepted. I sent her my fund by way of XXXX through Bank of America. I provided her my address. My bag never came. I contacted her and never received a response. However, she would post the same bag and message on XXXX. When my bag did not arrive Saturday, I called my bank XXXX XXXX and notified them. I then filed a police report on XX/XX/XXXX. I received correspondence today XX/XX/XXXX from my bank stating they denied my claim. I would also like to mention that the perpetrator created different usernames daily. In my pictures below you will notice 2 different usernames, but they both are the same person. I am to track this person down by being very specific in my searches. In XXXX  I will search the phone number ( XXXX ) OR I will search " DO NOT PURCHASE WITHOUT KNOWING FULL DETAILS ''

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 2020-11-22 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Loss of full time employment due to COVID19 from XX/XX/2020 - XX/XX/2020. 
Contacted customer service on 4 occassions to agree on a settlement to satisy and close account. Documents were to be sent to me to be signed. Never received and account was sold with negative points applied to credit report. 
All payments for all accounts were on time or early over 3 year timeframe prior to pandemic.

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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted the credit bureaus about the fraudulent items and inquiries on my credit report and they still haven't taken them off yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: NJ

Complaint narrative:
I've been sending letters to Transunion regarding my issue for a while now but I still haven't gotten the results I'm seeking. Theres a number of errors and accounts that do not belong to me on my credit report. Having them on here is ruining my credit score and holding me back in life. Additionally, it takes up to 30 days each time just to hear back from them. I know this is standard procedure but it's a really painstaking wait each time and the accounts are still reporting. Thank you in advance for your help with this matter.

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 2020-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following account XXXX XXXX XXXX has an incorrect balance. Balance should be {$240.00}. Please update

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 2020-11-22 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: MS

Complaint narrative:
I have contacted the credit bureaus about the fraudulent items and inquiries on my credit report and they still haven't taken them off yet

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 2020-11-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Emerge Financial Services, Inc.
State: CA

Complaint narrative:
Mortgage lender - XXXX XXXX XXXX # XXXX I applied for the mortgage on XX/XX/XXXX. The lender filled out my application and sent me the document to sign. But the forms were already filled by the lender. 
XX/XX/XXXX - i got my loan pre approval from the lender. 
XX/XX/XXXX - i put my earnest money deposit into escrow account. The closing date was supposed to be XX/XX/XXXX. 
We did not close, the lender needed more time to verify info. The seller was kind to extend the loan contingency. Not sure why it was not done earlier, all info was provided by me right after request from the lender. 
XX/XX/XXXX - XXXX sent me an email that my loan is approved. The closing date was expected to be XX/XX/XXXX. On XXXX XXXX the lender informed my agent that we can remove the loan contingency. The closing date was supposed to be XX/XX/XXXX, as XXXX advsed my agent. On XX/XX/XXXX it was still no closing, some delay from the lender again, but as i was informed we are almost there. we did walk through with my agent on XX/XX/XXXX. XX/XX/XXXX i signed the documents with the notary, and i deposited the downpayment at the escrow account. When i was signing the documents i saw my loan amount and loan number XXXX, by XXXX XXXX. Same day the lender informed me that the loan was 'cancelled ''. XXXX assistant texted me to email XXXX that i 'refuse to purchase due to personal reasons ''. I refused to do so, i wanted to purchase the property and i put my downpayment in the escrow account. I questioned the reasons why the loan cancelled. I was informed that it happened because of sellers cancellation, That is not true. He gave another reason to the agent. and there were few more different excuses, none of them was true. The sale did not happen despite my countless efforts to make it go through. I lost half of my earnest money deposit - {$6000.00}, also i had another expenses like {$450.00} home inspection, {$500.00} appraisal, some escrow fees around {$200.00}, number of another small fees, about 50 hours of my time, time off work, stress, and also the prices went up so now it is hard to find the comparable home at this price.

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 2020-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO  score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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