vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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: CO

Complaint narrative:
Equifax did not address my original complaint. CFPB COMPLAINT XXXX SUBMITTED ON XX/XX/2021 It appears they did not read it and just provided a 'canned ' response. My complaint stated clearly that I was unable to obtain my annual free credit report from them. I successfully received from XXXX and XXXX with no issues on line. I tried online for Equifax as well but was unsuccessful. I answered all the questions correctly in order to obtain my free credit report from Equifax. How could I obtain both XXXX and XXXX but not Equifax. I clearly stated I will not mail my SS #, DL #, etc. That is opening me up for fraud. And how would I know that if I mailed, whoever reviewed would not use my information for fraud. Isn't that the point of online? Not to sound political, but this sounds like suppression regarding ordering my free credit report. Similar to voter suppression in Georgia. And I never authorized Equifax to gather my personal credit information and release to banks, etc. That is why I want to see my annual free credit report from them to make sure the information they gathered is correct. Everything was correct with XXXX and XXXX. Again, Equifax didn't even address my complaint. They simply returned a 'canned ' response to make it difficult for me to obtain. If they had read my complaint, they would not have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: TN

Complaint narrative:
I have tried to obtain mortgage statements and a payoff with the company. I am unable to get ahold of any representative. I question the legitimacy of this company. I have tried since XX/XX/XXXX and have not had any luck. I have called by phone, left voicemails that are unreturned, I am unable to get onto my account online. I have sent emails, and online inquiry request with no response. Just awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
So I have been trying to clean my credit to get a house. So my issue came from Enhanced recovery company. XXXX asked several times if they owned account and they kept saying no, it was placed with them on XX/XX/XXXX or XXXX, not sure what year they said. I examined what I was trying to do, settle and pay off for less. They lady I spoke with didn't have answers and got supervisor. I explained to him what I was trying to do and the settlement offer didn't work with what funds I had. I then asked him several times if they owned the account. They said no. Then guy was just rude and I examined that there were issues with the actual bill. He said I couldn't do another dispute because I had just done one. I explained I didn't even know process. I pushed a couple buttons on XXXX XXXX and it Saud it was disputed. He then told me XXXX couldn't contact original creditor because they weren't in charge of account. I found out they were the owner of account and I could dispute and explain my issue with higher source in collection agency, but wasn't given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed a copy of my credit report and I am disputing an item that needs to be removed. 

1. XXXX XXXX XXXX XXXX is a 2-year-old credit inquiry. It was pulled on XX/XX/2019, and should be removed.

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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am in receipt of a letter from Portfolio Recovery Associates that alleges I owe a debt of {$1000.00}. I don't owe any debt. Pursuant to 15 U.S. Code 1602 ( o ), the social security card belongs to the Social Security Administration and I am an administered agent. Therefore, as an administered agent I don't own or owe any debt attached to it. 

The letter also states that Portfolio Recovery Associates validated the alleged debt, but as the consumer, I am the only one who can validate that debt. The debt is not mine. It is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
This complaint is in relation to my previous complaint I filed against XXXX. I have attached a copy of my previous complaint confirmation as reference. XXXX responded to my complaint but FAILED to address the issue of my complaint. XXXX essentially provided me a history of what happened on the account but failed to address the 120 days late I was assessed for the month of XX/XX/2021. I settled the XXXX account IN FULL on XX/XX/ 2021. How can I be late if there was no balance?? The new 120 day late tanked my credit score and this is a complete violation. TransUnion seems to be the only bureau to report this error. I am not asking to have the whole XXXX account deleted, but I am asking to get the new 120 day late payment deleted.

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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
Account Name : DISCOVERBANK Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: NV

Complaint narrative:
Submitted investigation on XX/XX/2021 no updates, no investigation, no information given from collection agencies as well. I don't have contracts or recall any of these companies and violates multiple laws including FCRA, no sign of investigation and information given in 30-60 days. 15 USC 1692fg - Why would you add these accounts and not provide NO information on these accounts. I NEVER gave permission and this is MY credit report you're adding information about ME on.

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 2021-06-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a clam of fraud because someone debited {$300.00} from my account. I feel they were truly unprofessional in the handleing of my case. They concluded i guess that i was not being truthful and responsable for the missing money. In there terms of agreament it states we as card holders have zero liability for fraudulent chargers. 


I need to know what body of evidence did these geniuses use to come to there conclusion. I hope so much they made there choice on face rather than personal options and feelings. 
Bottom line it wasnt me who debited {$300.00}. 
Please help me i feel like a nobody with zero power and only delt as an annoyance rather than a client.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is in relation to my previous complaint I filed against WellsFargo. I have attached a copy of my previous complaint confirmation as reference. WellsFargo responded to my complaint but FAILED to address the issue of my complaint. WellsFargo essentially provided me a history of what happened on the account but failed to address the 120 days late I was assessed for the month of XXXX 2021. I settled the wellsfargo account IN FULL on XXXX 2021. How can I be late if there was no balance?? The new 120 day late tanked my credit score and this is a complete violation. XXXX  seems to be the only bureau to report this error. I am not asking to have the whole WellsFargo account deleted, but I am asking to get the new 120 day late payment deleted.

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 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I noticed fraud on PayPal regarding the XXXX XXXX XXXX XX/XX/2021 for {$66.00}. I've never heard of them nor have I conducted any business with them. I immediately filed a complaint with PayPal. While waiting for the results of my PayPal claim I began researching the XXXX XXXX XXXX and came across hundreds of complaints from PayPal users. There seems to be a direct correlation. 

The XXXX XXXX XXXX is in XXXX. 

After a period of time, PayPal of course came back and denied my claim stating it was authorized. What's more frustrating is they sent the following email : An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 

The payment in question was sent as part of a billing agreement you previously set up with the merchant. 

We've now canceled this agreement for you to prevent any other unwanted transactions. Moving forward please be sure to review all your active billing agreements. If you need a refund for a payment sent using an active billing agreement, please contact the merchant directly. 

For more information about these cases, log in to your PayPal account and go to the Resolution Center.

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX. 


I sent a complaint to the appeal email, and demanded a copy of the documents PayPal used in their decision. Today ( XX/XX/2021 ) I received the following email : We received the case ( s ) you filed on XX/XX/2021. 

We have reviewed this transaction  ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . 

Attn : Unauthorized Account XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX In other words, PayPal chooses to give their customers the runaround. I will send the letter, no worries there. I have already emailed PayPal and advised them they might want to be aware, customers are angry. It seems customers should unite and start a class action lawsuit. Just look at the forums. People are outraged. 

I filed a complaint with my bank and bypassed PayPal all together. My bank said they have this XXXX XXXX listed as fraudulent and they've had major complaints about them from other people. For whatever reason PayPal is lazy, and they apparently approve of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
I reviewed a copy of my credit report and I am disputing an item that needs to be removed. 

XXXX. XXXX XXXX XXXX XXXX is a 2-year-old credit inquiry. It was pulled on XX/XX/2019, and should be removed.

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 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I contacted my lender ( SPS ) on XX/XX/2021 for a loan workout because I have new financial situation, I have XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. But they said there are no options available for me except shortsale or foreclosure. Also that there is a foreclosure moratorium right now in California until XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
And XX/XX/XXXX I apply for the Apple credit card I did have a fraud alert and a credit freeze I have lifted my credit freeze on my credit file stated that anyone is applying in my name any bank who is receiving my application I need to contact me to verify my identity but Goldman Sachs refuse all theyre telling me is to reapply and thats what I did reapply when I realize that something is really wrong they even ask me for My ID I gave them my ID I still yet they are sending an email stated they could not verify me In XXXX I receive a third email stated that I may have another account open in my name I have asked them the information of that account they refuse to give me it they sent me to XXXX XXXX XXXX XXXX said there not stopping them from verifying me because they are seeing almost XXXX inquiries Pull from them I must go somewhere else and apply for a different credit card and see what happened so in XX/XX/XXXX I apply for a XXXX XXXX XXXX  credit card and a XXXX credit card I was approved in XXXX for the both cards and yes they did call me to verify that I am the one that is applied for the card I do not know if its discrimination thats why them do not want to call me to verify me but if they do not want to verify me they need to take them self off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: LEXISNEXIS
State: NY

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a XXXX  checking student account with Regions Bank, and I have been charged {$10.00} a month even though I am under the age of 25. These monthly charges began in XXXX XX/XX/2019 and was resolved today. However, I would like a full refund on the money that was charged. I was told I could only be refunded {$30.00}, but I was charged {$180.00} in total. 
I did not know I was being wrongfully charged until a regions employee called me saying I was being wrongfully charged. The reason for this is because I emailed the company and they said I was being charged correctly.

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 2021-06-08 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
THE FOLLOWING ACCOUNTS AND INQUIRIES WERE NOT INQUIRED BY ME. 
1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is 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 non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect The amounts are $ XXXXXXXXand {$1000.00}. I have submitted a debt validation letter but have not received a sufficient response. They are reporting two accounts that are not mine. They are tied to a social security number that is not mine and they nor the original creditor can furnish anything with my signature. It is also tied to an address that isnt mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
Back in XXXX of this year I filed my first around of disputes with Equifax and XXXX. The only one I got a response from was XXXX. In XXXX I filed a second around of dispute because the bureaus are not taking things off my credit that need to be that are seven years or older off my credit report. Now here I am three months later filing a complaints against them all because they arent doing their jobs. Please help with the matter and making them reply to my disputes that I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute since XX/XX/2020 and only XXXX  has removed the inaccurate information and student loans that were transferred to another lender. Also, the document that I have provided from the XXXX XXXX XXXX  does not have my original signature. It has someone name XXXX which I have no idea who that is. 

XXXX XXXX XXXX- Does not have my original signature on the documents provided XXXX XXXX XXXXTransferred account XXXXInnaccurate information Transunion shows XX/XX/2020 date opened and XXXX shows XX/XX/2020 last date reported is also inaccurate XXXX XXXX- desputed and removed by boyh Transunion and XXXX XXXX has not removed this account. 
XXXX XXXX opened, balance, high credit score past due, all is innacurate information with all 3 credit bureaus. 
XXXX-Not my information XXXX- reporting inaccurate information with all 3 bureaus. 

.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
checked with Chase prior to sending a wire in the amount of {$470000.00} for principal reduction. THe wire was sent at XXXX Central time on XX/XX/2021 and should have posted to our account on XX/XX/2021. As of XXXX XXXX  on XX/XX/2021 they are telling me it is still being researched and it could be 3-5 business day before they have any answer, They had me upload the wire confirmation to them and should be able to track quickly but are not willing to do so

Company response to consumer: Closed with explanation