vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing Experian, XXXX & XXXX  are still reporting the fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
went to XXXX XXXX of XXXX on XX/XX/2019. I attempted to purchase a car, and was approved for an auto loan. I decided not to move forward with the purchase and went to another auto maker dealership to purchase a new vehicle. 5 days after, on Friday XX/XX/2019 at around XXXX XXXX, I started receiving credit inquiries alert from different credit monitoring services. I found out that an auto loan application was submitted under my name by XXXX XXXX XXXX  XXXX. I contacted the dealership over the phone right away and did not receive an explanation. I drove over to the dealership that same night and was told that my name was " crossed with another customer '' who had my same last name ( XXXX XXXX ) as a letter that I requested from the dealership the day of the incident explains. About a week after, I started to receive auto loan application denial letters, and found out that my name was not really crossed with another client, I was actually added as a co-applicant with that same person that has my same last name. Two weeks after not receiving any updates from XXXX XXXX XXXX XXXX, I decided to contact XXXX XXXX XXXX headquarters, owners of the dealership, and they were able to have XXXX XXXX XXXX, General Manager of XXXX XXXX XXXX XXXX, to contact me. He advise me to file a dispute with the credit bureaus as that was the quickest way to have the inquiries removed. On XX/XX/XXXX, my attorney XXXX XXXX XXXX, XXXX ; sent a letter to XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX in charge the day of the incident ), the letter requested the issue to be resolved within a timely manner. As of today, I have not been able to get the unauthorized credit inquiries deleted from my credit report, and was told by all three credit bureaus ( Equifax/XXXX/XXXX ) that they were valid, an that XXXX XXXX is who can have them removed. On XX/XX/XXXX, I met with the Finance Manager, Mr. XXXX, he was aware of the situation and was surprised that it was not taken care of. He personally offered to take care of the situation and was going to keep me informed. I have emailed Mr XXXX 3 times after I spoke with him and he hasnt responded or the problem been fixed. Help please!!! No entity seems to br able to assist me with this matter and set some type of example to companies like XXXX XXXX when they make unacceptable mistakes like adding someone without authorization into a loan application! Help me please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: WA

Complaint narrative:
Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX  XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due

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 2020-07-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due

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 2020-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing XXXX, Transunion & XXXX are still reporting the fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: MO

Complaint narrative:
On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing XXXX, XXXX & Equifax are still reporting the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CITICARDS CBNA with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part.

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 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BRCLYSBANKDE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.

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 2020-07-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have tried multiple times to have Experian update the information on the XXXX XXXX account on my credit report. I have furnished them paperwork to show that the account was paid IN FULL ( not charged off ), and everytime they update the account they report it incorrectly. Im extremely frustrated. The balance on the account is XXXX, it was paid IN FULL. At this point, as I have tried to have the account updated several times and the account still reads incorrectly.

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 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
I sent my uncle {$1000.00} usd to XXXX using xoom app and today when I logged into my bank account I saw two pending transactions got approved for {$1000.00} which shocked me as I did see both transactions in my bank acc but as they were in pending status I thought it was just a normal thing that usually happens. But I looked into xoom app today after I noticed the bank acc and saw it showing only one transaction on main and in sub category page there were two transactions back to back sent. I have no clue how this happened though there was a service error that day. I contacted the company and they says their partner company already has transferred the money to receivers bank account and there is no way they can do anything. Its quite disappointing that they dont have some sort of a message or warning that multiple transactions are being processed back to back and if sender wants to proceed. I myself have a XXXX XXXX XXXX ( XXXX ) and they have a bit of strict policies when sending money but as I XXXX XXXX XXXX   of XXXX cant use their service to send thats why I use xoom if theres any family emergency or need. So I just wanted to forward my complain regarding this issue with Xoom that they need to better the system and protect one from such computers errors sending  back to back transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I use the XXXX XXXX to connect with PNC Bank so I can take out money way before my payday comes. Now it wont let me link my pnc bank with the XXXX XXXX  and its making me frustrated because I have {$16.00} to last me 2 weeks now unless it links my bank with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had my Wells Fargo credit card stolen from me and fraud committed on it. I have left several complaints and it hasn't been resolved. I filed a police report in the matter when the fraud was first realized as well. Wells Fargo isn't working with me in any way. Two weeks ago when I checked on my account with Wells Fargo is was closed with a XXXX  balance. Now I just recently checked on it because I see my credit score has dropped by 25 points and Wells Fargo reopened the account at a negative balance cause of the fraud amount. THIS IS 100 % FRAUD and I made a police report and reported it with Wells Fargo right away. It was my impression that I'm not responsible for Fraud yet when I spoken to Wells Fargo directly they say that YES I am. This is not right. I been a loyal customer for years and they are treating wrong here and from my knowledge unlawfully. This is FRAUD and I did not give anyone permission to use my card. It was stolen from me and it was reported as such

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 2020-07-24 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Trying to link my bank account to XXXX XXXX but it wont let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a hard inquiry pulled by syncb/XXXX ( XXXX XXXX XXXX/ XXXX ) XX/XX/2019. I am a service member who was being forward deployed later on this month to be stationed overseas. 
I have never applied for credit from this company and I called multiple times to confirm, and the company has no records shown of me at all. 
I would like to remove this from my hard inquiries on my credit report. I have tried to handle the situation myself but it is not being taken care of at my level, I would like professional help. Thank you.

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 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: N26 Inc.
State: NY

Complaint narrative:
To whom this may concern : My name is XXXX XXXX Please help me, I've been a victim of misscommunication or fraud and inconvenienced from my on line financially institute named N26 A on line banking system where my clintes money goes into for my local XXXX XXXX  services. I was recently given a grant for {$5000.00} from the government and have records and screen shot and emails of proof. N26 flagged it and froze all of my funds. I have over {$8000.00} or about {$9000.00} in this account and exactly {$5000.00} in savings. I get NY state unemployment deposited into this accouht every Tuesday. N26 institute refuses to release the hold and I'm literally at a stand still and have no other banks or savings. This could take over a month or who knows how long. Today is Friday and all institutions are closed for the weekend. I have my birth day coming up this Monday and I have XXXX young children to feed and take care of. I made reservations at a log cabin upstate NY to take my family camping next week this Sunday for my birthday week. I also have my bills to pay and my car payment is due and other bills I had saved for like my modified loan payments for my mortgage to refinance my home soon. Thie is my livelihood and all my savings. I made a complaint also to the FDIC and I dont know when or how soon anyone will get back to me. From what I read on XXXX this could take days weeks or even in some cases month 's and now we are approaching the weekend. The XXXX of the US government who gave me this XXXX XXXX  grant had even said to me on the phone last night that, N26 or any bank has no right freezing all of my funds that are not tied to their suspicions or red flags on my account or suspecting the grant or my unemployment as fraudulent especially in this time of the pandemic due to the fact it clearly states my funds recently are mostly deposits from NY state and the government. I've been receiving my unemployment for about 2 tp 3 months now and the grant was deposited on XX/XX/XXXX. So as of yesterday afternoon I have been at a standstill with no access to any of my funds or savings and now the weekend dawns upon us. Please help me resolve this as I have bills due and my unemployment being deposited into this N26 account who has totaly inconvenienced me and has no answers for me till further notice. They won't even speak to me, they only e mail me and I waste my breath and energy and time with call center representatives who have no answers for me. Please Call me at XXXX XXXX XXXX my email address is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried many times to get my credit report from experian online and they will not give it and I get shut down before I can even ask them what the problem is. They tell me to get it through the mail but I need it now not a month from now. THANK YOU

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 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
( XXXX XXXX  XXXX  XXXX  XXXX  ) is now reporting on my credit report of a balance of {$3300.00} I have been writing and calling ( NCB Management Services ) about this debt I have no knowledge of. 
I check my reports and NCB Management Services seems to have change their name on one of the credit bureaus reports as the collector to. ''XXXX XXXX  XXXX  XXXX  , '' Reflecting the same debt they say I owe. 
The address I have been mailing letters to and calling, To get information on this debt is the same address and number listed below. 
XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX This is a case of Fraud, because I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I owe them XXXX, I have called the entire month of XX/XX/XXXX, I was lied too about a refi option and then I was lied to again after a rep told me this amount was out on a lien against the house to be paid back when i sell or refi and that was a lie. I can not get a single rep to help me with my issue. I just want to get current with my loan so I can get rid of this company

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX I got a XXXX XXXX credit card XXXX credit limit XXXX. ) In XXXX I became ill and my daughter moved me from XXXX, Oh to XXXX, Oh at which time the hardship kept me from paying my debt. XXXX XXXX sent it to collection ( I am XXXX and on social security ) They say I owe {$2900.00} and I get late payment reports to the credit bureaus. I called the collection agency and they said they would close the account due to hardship. But it still goes on and on reporting me late 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 2020-07-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is still continuously violating my rights under the FCRA. XX/XX/2020 I sent a request according to section 611 of the FCRA giving my right to see the procedural proof of how these accounts came to be on my report even after dispute. Under my rights I had 15 days after my request to receive this information. As of today I have yet to receive any proof. The law states if the credit furnisher fails to provide this information and timely, the credit furnisher has to remove the information being disputed. 

Experian closed another dispute this morning failing to remove any accounts and further stands by the fact that the information has been verified again without providing any proof. Your organization is set up to help consumers fight in these instances when rights have been violated. Yet you continuously allow credit bureaus to break the law. I have consulted with a Consumer protection attorney here and hopefully we can just take this matter to the courts. I have enough proof that Experian is violating the law knowingly and willingly and CFPB is allowing. I will seek damages and all allowed for my credit worthiness having to take a hit due to negligence by Experian and all involved with allowing these violations.

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