vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX   XXXX {$2400.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$550.00} XXXX  XXXX {$7000.00} XXXX   XXXX  XXXX {$460.00} XXXX XXXX   XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-03 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: AL

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} USDOE/XXXX  XXXX {$52000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a bill from XXXX Master card  for charges incurred from XX/XX/XXXX-XX/XX/2020. I found that I had been charged {$2300.00} for purchases made via Paypal ( see attachment ) from individuals in California. I live in Illinois. 

I tried to contact Paypal, on several occasions, but I can not get in contact with a human being. I have left a message that I hope that will respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was frauded by a sales rep for a billboard company stating she was selling space on this billboard for my XXXX. She rushed two large payments upfront pushing and hurrying everything. Then I received a call from the actual owner telling me she had no authority to place my ad on the billboard and attempting to get me to sign with them. Long story short they entered into a lawsuit between these two companies with me stuck in the middle. This happened in XXXX of 2018 and then I was notified in XXXX on 2018 by actual owner. Both businesses have said they are not pursuing me for these charges and they will work it out in their lawsuit between themselves. I have supplied all the documentation to Capital One and notified them immediately after I was notified telling them not to pay XXXX  and gave them the support. Over the last XXXX years I have spoken to 17 different Capital One supervisors, collections people etc. I have upload support on their online portals and have  begged them to get this off my credit. I even overpaid them by {$1800.00} which was confirmed by one supervisor. They all say they will call me back and we will get this resolved yet nothing happens. Six of the supervisors removed it then the next month it would be added back. Only one supervisor walked through every charge and payment and she agreed that I overpaid them. Yet they have filed a negative report on the credit as a charge off. This is hurting my credit and ability to get loans needed during this time. I have the support and can upload to your site as well. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TX

Complaint narrative:
I paid off XXXX XXXX XXXXXXXX. And Experian lowered my score. 

I still see old info from XXXX XXXX that I have not made payments. XXXX! It is paid off! Title is in there as proof!

Experian lowered my scores many times lately. 

Experian accused me for not making any payments when I already had paid on time using autopay with XXXX. Insurance policy was changed from XXXX  to XXXX. Experian accused me for not paying anything. 

Experian so lowered my score after EXPERIAN SUGGESTED ME TO use their matched credit card to boost my score. It backfired and then Experian lowered my scores way down! XXXX off!

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 2020-04-03 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: MI

Complaint narrative:
Experian credit bureau deleted an chapter XXXX bk on XX/XX/2020 then added back on XX/XX/2020 the source that they say they got the information from I have letter stating they havent discussed or communicated any information pertaining to me with anyone

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
SEE ALL ATTACHED VIOLATIONS AND CASES PERTAINING TO MY CASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TX

Complaint narrative:
SEE ALL ATTACHED VIOLATIONS AND CASES PERTAINING TO MY CASE

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 2020-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing credit report XXXX  XXXX continues to furnish inaccurate data on credit report. 
Account satisfied in full. Requested company to further investigate negative remarks on credit reports. With information placed on credit files, this continues to deplete score and credit worthiness.

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 2020-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After reviewing credit report XXXX  XXXX continues to furnish inaccurate data on credit report. 
Account satisfied in full. Requested company to further investigate negative remarks on credit reports. With information placed on credit files, this continues to deplete score and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing credit report XXXX  XXXX continues to furnish inaccurate data on credit report. 
Account satisfied in full. Requested company to further investigate negative remarks on credit reports. With information placed on credit files, this continues to deplete score and credit worthiness.

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 2020-04-03 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: AL

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} USDOE/XXXX XXXX {$52000.00}

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 2020-04-03 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: AL

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} XXXXXXXX XXXX {$52000.00}

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 2020-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies. 
I received " system not available '' massages from all 3 agencies (  XXXX, Transunion and XXXX  XXXX. Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.

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 2020-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies. 
I received " system not available '' massages from all 3 agencies ( XXXX, XXXX  and Equifax XXXX. Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
On XX/XX/2020, I mobile deposited a check in the amount of {$2600.00} into my Hancock/Whitney personal checking account from XXXX XXXX XXXX. I took two images front and back over my mobile phone. I patiently waited for the funds to clear into my account. On XX/XX/2020, the funds were not available. And there was not an image of the check just a description saying the Institution was Hancock/Whitney. On XX/XX/2020, I called Whitney Bank to see if the funds were deposited into my account. I was told from an agent the funds would not get deposited into the account until XX/XX/2020. I didn't ask any questions. On XX/XX/2020, I received an threatening email stating they will charge me return check fees if XXXX XXXX does not pay the funds of the check. I have a personal checking account with Whitney Bank so I should never get charged for returned check fees for a checks. I patiently waited for my funds to get deposited into my account. I still don't have a clear image of the deposited check into my account. On XX/XX/2020, I received the funds deposited into my account. I waited an entire week for the funds to clear which is ridiculous for any one that personally bank with this business. I called to inform them that the check image was still not showing up in my account. I was put on hold for another agent. And the second agent just left me on hold. For more than two years, I have been correcting the errors that are made by the people that work for Hancock/Whitney Bank. I call the customer service line and get mistreated with getting my calls transferred more than two or three times per call. Sometimes my call never get answered. I get rude threatening emails. I receive postal mail from Whitney Bank with my name spelled wrong and I have made formal complaints to the company as well as Consumer Finance. It's very clear that they are retaliating against me. And I think it's very unprofessional for adults to conduct themselves in a childish unprofessional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Recently our mortgage was sold to Mr. Cooper. Due to an escrow shortage our monthly payment increased about {$400.00}. I called Mr. Cooper in XXXX and was offered multiple options to spread out the payments or change the minimum balance in the escrow account. After discussing with the representative we decided on spreading the payments out over 12 months ( keeping the increase at $ XXXX XXXX, but they offered that I could call back and spread it out over a longer period of time or reduce the minimum in the account if needed. 

Due to COVID-19 both my husband and I are temporarily not working. I called Mr. Cooper to see if I could spread the escrow payment out over a longer period of time to give us a little bit of cushion during this time. I was told the policy was changed in XXXX. I asked if they had informed customers of this change and they did not. In the policy change they also stopped the ability to change the minimum amount in the escrow account. 

The representative reiterated multiple times that " no one else had called with this problem '' to undermine my complaint. They also said " it ( the company policy ) was changed in the system, there's nothing we can do ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was on the phone today for over an hour trying to resolve this they were incompetent saying they were reporting me on time I was transferred about 6 different times finally the last person was like oh yeah were reporting incorrectly but said she couldnt fix it needed to transfer me to another person she then transferred me to a disconnected number very rude and Unprofessional. They have been reporting incorrectly since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
Lien put on bank account and all monies removed ( XXXX ) on XX/XX/2020. XXXX XXXX XXXX located in XXXX VA is the company who filed the legal paperwork but they have no information. Results XXXX XXXX in XXXX XXXX Va is the collection agency. They aren't taking phone calls and haven't responded to email. Due to the current pandemic this lien has caused extreme hardship to my family. I'm very concerned that the stimulus check will also be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: PA

Complaint narrative:
I have {$49.00} in my PayPal account. 

When I try to transfer my PayPal balance to my bank account which is verified by it, the following message is displayed : Theres a problem Right now, were not able to transfer the money to your bank. 

I have e-mailed PayPal ( as well as its CEO ) but have not received any reply. 

PayPal is holding on to my money and not letting me get it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Today XXXX of XX/XX/XXXX, I pulled up my credit score report. I saw one debt on my credit record that I do not recognized at all. Capital one opened on XX/XX/XXXX owed XXXX plus dollars. I am 100 % sure that I am not in XXXX XXXX. Nearly XX/XX/XXXX I started my job in XXXX XXXX. XX/XX/XXXX I was hangout with my friend her name is XXXX XXXX also in XXXX as well. How am I supposed to opened this accounts while I am not in the state. I have my SSN with me while I am in XXXX, and I have never lost it. So I am sure that my identity was stolen somehow. But not sure how. See the document below, I left the state on XXXX XXXX XXXX, I entered the state back in XX/XX/XXXX. 
In the attachment, there is a picture of capital one information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: VA

Complaint narrative:
In the beginning of XXXX I ordered my credit report and noticed that Westlake Financial services was on there. I disputed this account multiple times for verification and came back each time FCRA verified. After reaching out to customer service they wouldn't give me any info on this account stating that it was sold in XX/XX/2019. Westlake failed to notate that on my credit report therefore they violated my consumer rights to have an accurate and clear credit report. Even going as far as their customer service rep and supervisor telling me because it was sold I couldn't get information on the account that's still reporting under Westlake Financial Services on my credit report. This is illegal and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-04-03 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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