vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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: CA

Complaint narrative:
Equifax ; XXXX and XXXX are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX. Equifax and XXXX are failing to show the following accounts In Dispute. XXXX XXXX partial account number XXXX ; XXXX ; XXXX and XXXX. Equifax is failing to report the following accounts are In Dispute. XXXX XXXX partial account number **** XXXX and XXXX. I have sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC
State: IL

Complaint narrative:
This company Direct Recovery services calls once or twice a month or more and the caller ID SHOWS one number and then the voicemail they leaves says to call another number then I do call that number its not an active number. I have tried to ask them What is the name of the company that they are calling from, and I get a repeated response. Then they leave a detail message describing a debt but they use lingo like I have a file for this name the voice mail is public, I have never got a verification of debt and I have no idea what debt their even referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: GA

Complaint narrative:
ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " XXXX  XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611

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 2020-09-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX is reporting an account on my credit report that they are not able to verify. This account has negative information attached and every time I call, they state that the social security number and birthday do not match my tax ID or birthday. So I asked how are they reporting ANY information on my credit report since they do not have the correct information. 

I spoke to multiple representatives from this company and they are unable to verify my social and date of birth on this account. So how can your company report such inaccurate information? I explained that I am from XXXX, so I have a tax ID that does not match your system at all. Your representative stated there is a social security on the account, but I do not have one ( since I am not a US resident ) and they stated this did not match the tax ID. This company has responded to all my disputes stating its accurate but there is no way as no personal information matches. I have included the following documents for your review : XXXX credit report showing the inaccurate negative information that is under my name. 
Proof of XXXX resident document where I highlighted my date of birth. 
XXXX document that shows my tax ID number. 

This needs to be looked into as soon as possible as this inaccurate reporting is damaging my life. How is your company verifying this information when my personal identification does not match? I am kindly requesting a letter of correction to remove any negative notation of this account from all three credit 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 non-monetary relief
Consumer complaint received 2020-09-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX I contact bank of America to request an updated card and transfer my monies. Also, I am having issues with previous deposits from XXXX. I do not have access to the online data I have attempted several times but still no response as of to date. 

I need my card shipped and monies transferred. Alos, I need my deposits from XXXX to be reconciled with EDD. It appears I am missing my deposits which should total XXXX instead it appears to be short 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 2020-09-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020 paypal froze money in my account of XXXX and are withholding 10 % of purchases made via paypal on my business moving forward. When i contacted them to find out why they said the industry I am in ( selling toys ) is a high risk industry and therefore want to hold funds and not give it to me. I asked the reps to look at my account and tell me if I am a high risk business and they confirmed that I am not and my business does not show being at risk with past 2 years history. I let them know I need the XXXX to use for purchases from manufacturers to supply the customers with product and they did not care. Our business is mainly pre order so with the funds not released we will not be able to purchase the product and therefore paypal is causing our business to fail and become fraudulent in this manner. I spoke to the resolution team and provided them with my business license and information along with 100s of pages of invoice and even letters from the companies showing I am an official retailer. They let me know they still did not care and will continue to withhold my customers money from me. I told them I wanted to speak with someone else regarding this and they said they will not do so and any emails and phone calls going forward will be ignored to try and get my money. They are keeping it in an interest bearing account so they can make money off what is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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:
XXXX of XXXX Florida is reporting inaccurate data on all three ( 3 ) credit bureaus. At the inception of my contract I purchased a vehicles that needed repair. XXXX had the company make some repairs, but the horn, spare tire, gas tank and radiator was never repaired which later led to major repairs totaling over an additional {$5000.00}. The original loan amount was {$8500.00} XXXX of XXXX Florida did an additional loan totaling XXXX therefore, giving me two loans with the company. After the last repair XXXX of XXXX Florida sent a mechanic out to evaluate the car and they told me they were going to junk the car and give me another car of equal value. I waited for the new car never received it instead I started getting calls talking about repossessing the car. I sold the car to XXXX XXXX when the car was in the shop she never received the car and it is being reported on her credit report as well. I called the headquarters and was told to speak with the XXXX XXXX office XXXX kept hanging up the phone on me and having a Sheriff office calling threatening me. The lending practices should be investigated.

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 2020-09-17 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:
XXXX of XXXX Florida is reporting inaccurate data on all three ( 3 ) credit bureaus. At the inception of my contract I purchased a vehicles that needed repair. XXXX had the company make some repairs, but the horn, spare tire, gas tank and radiator was never repaired which later led to major repairs totaling over an additional {$5000.00}. The original loan amount was {$8500.00} XXXX of XXXX Florida did an additional loan totaling XXXX therefore, giving me two loans with the company. After the last repair XXXX of XXXX Florida sent a mechanic out to evaluate the car and they told me they were going to junk the car and give me another car of equal value. I waited for the new car never received it instead I started getting calls talking about repossessing the car. I sold the car to XXXX XXXX when the car was in the shop she never received the car and it is being reported on her credit report as well. I called the headquarters and was told to speak with the XXXX XXXX office XXXX kept hanging up the phone on me and having a Sheriff office calling threatening me. The lending practices should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
I have been unable to transfer money from my card to my bank account. The last time I was able to transfer funds successfully was XX/XX/2020. I have called into customer support several times, even getting charged a XXXX IVR BAL INQUIRY FEE because I have called in more than 5 times in a month, and it automatically tells me my balance when hitting the main menu. I have reset up my direct deposit via the web and phone IVR ( based on agent recommendations ),  reached out to my bank to see if they were able to do anything from their end, tried several manual transfers to 3 different banks, had a support ticket made, talked to '2nd level support ' and 2nd level  support suprevisor, spending several hours on the phone. I have been disconnected several times, both my support reps and the IVR. The  support ticket group called me back and left a voicemail stating if I was having issues logging in, to call back in. I do not get notified the funds are not returned, an option they have " Fund Transfer Return Alert '', instead a CASH CREDIT CLIENT ADJUSTMENT is added to my account for the same amount as the attempted transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I called to inquire about my credit card and was informed that it was closed due to it being over the limit for 5 months. It never shows it was closed, We were affected by COVID-19 yet I never missed a payment. I finally was able to bring the account balance under the credit limit and now the account was closed. I never received anything in writing about the possibility of the account going to be closed. Per the Cares Act, accounts can not be closed unless more than 3 payments are missed. I didn't miss a payment and thus closing my account is in violation of the Cares Act. Please re-open the account and remove any negative reporting that may have been reported to the credit 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 2020-09-17 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:
I LOST MY IDENTIFICATION AND MY SOCIAL AND SOMEONE WENT ABSOLUTELY CRAZY. THEY WENT AND APPLIED FOR A LOTE OF THINGS.. I DONT KNOW HOW THEY WERE ABLE TO DO THIS WITHOUT ME BEING THERE. PLEASE REMOVE THESE INQUIRIES, I HAVE BEEN TRYING TO KEEP MY CREDIT TOGTEHR AND THIS HURTS A LOT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I sent Experian 2 separate letters the first was regarding a bankruptcy the second was in regards to several accounts reporting inaccurate information. My letters were both received by Experian on XX/XX/2020 at XXXX XXXX. Experian conducted its investigation on XX/XX/2020 for the bankruptcy letter and completed that dispute on XX/XX/2020. My other letter regarding the inaccurate information was never addressed in any way by Experian. 

After 30 plus days of no response from Experian I sent a second letter on XX/XX/2020 informing them that they were in violation for not conducting their own independent investigation of my disputes and asked for these items to be deleted from my credit report immediately as the inaccurate information is affecting my credit worthiness. This letter was received by Experian on XX/XX/2020 at XXXX XXXX. This letter was also ignored and no response was sent to me by any means. On Tuesday XX/XX/2020 I called Experian to discuss the status of my concerns and was told by XXXX a representative of Experian that despite my ability to prove that my certified letters were received via the USPS website they had not received my letters there for there was nothing they could do. 

I then wrote a 3rd letter demanding that they remove these items as I can prove that they are in violation of the FCRA for not completing my dispute within 30 days of receiving my letter. This letter was mailed on XX/XX/2020 and was received by Experian on XX/XX/2020 at XXXX XXXX. On XX/XX/2020 I again called Experian to address this matter and was told that the reason my letters have not been addressed is because the address I have been mailing my letters to is a different department. I then verified that the address my letters were mailed to were what is listed on the Experian website in regards to disputes. I then asked the representative even if that was the case how can they explain why on XX/XX/XXXX when both of my original letters were signed for at Experian why the bankruptcy letter was processed and the investigation completed if the address I sent my letter to were wrong. I was placed on hold and after several minutes was told they couldn't explain it at which point the conversation was going no where and ended.

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 2020-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is a dog scammer trying to sell Dalmatian puppies out of " XXXX, WA '' supposedly. After finding the ad online, we paid the deposit and the cost of {$580.00} via XXXX from my bank, XXXX XXXX, on XX/XX/XXXX to deliver the puppy to our home. The supposed transport company, " XXXX XXXX XXXX XXXX '' was going to deliver the dog on XX/XX/XXXX. The transport company tried to tell me they were in Billings, MT at the XXXX XXXX XXXX and that i had to pay them more money to get my dog. They said they had been there for three hours in the parking lot. I then called Billings animal control government number and got an animal control officer to drive out there and they reported not a single car was there. Basically it was all a scam and i have pet transfer contracts and everything as well as emails and texts. When i told my back about this, they refused to help with the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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:
I LOST MY IDENTIFICATION AND MY SOCIAL AND SOMEONE WENT ABSOLUTELY CRAZY. THEY WENT AND APPLIED FOR A LOTE OF THINGS.. I DONT KNOW HOW THEY WERE ABLE TO DO THIS WITHOUT ME BEING THERE. PLEASE REMOVE THESE INQUIRIES, I HAVE BEEN TRYING TO KEEP MY CREDIT TOGTEHR AND THIS HURTS A LOT

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 2020-09-17 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: FL

Complaint narrative:
I LOST MY IDENTIFICATION AND MY SOCIAL AND SOMEONE WENT ABSOLUTELY CRAZY. THEY WENT AND APPLIED FOR A LOTE OF THINGS.. I DONT KNOW HOW THEY WERE ABLE TO DO THIS WITHOUT ME BEING THERE. PLEASE REMOVE THESE INQUIRIES, I HAVE BEEN TRYING TO KEEP MY CREDIT TOGTEHR AND THIS HURTS A LOT

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 2020-09-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation