vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self credit builder account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. Equifax is reporting a balance of {$520.00} with a current payment status, XXXX is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as XXXX {$140.00} XXXX. I have attached a copy of ( my self credit builder statement that proves your balance is in correct ). 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: WI

Complaint narrative:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my XXXX XXXX XXXX account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX THROUGH XXXX XXXX  -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$520.00} with a current payment status, Experian is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as XXXX {$140.00} XXXX. I have attached a copy of ( my self credit builder statement that proves your balance is in correct ). 


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 non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal closed or limited my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN ALLIANCE BANCORPORATION
State: CO

Complaint narrative:
I am writing to complain the Alliance Association Bank ( AAB ), at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX and the phone number is XXXX I own two condos, XXXX XXXX XXXX XXXX CO XXXX and XXXX XXXX XXXX XXXX CO XXXX. AAB is the bank that handled the XXXX fees. The rules of paying monthly fees to AAB was set as follow, BILL PAY SERVICE Ensure the check is made payable to your association XXXX XXXX and the memo portion includes the following information/instructions : a. Management Company ID : XXXX b. Your Individual Account Number for XXXX XXXX at XXXX XXXX is XXXX. 
a. Management Company ID : XXXX b. Your Individual Account Number for XXXX XXXX at XXXX XXXX is XXXX. ( Please see attached copies ) I used my bank bill pay service to pay my monthly fees and it was repeatedly returned by AAB. I have an example of my payment check sent to AAB which is attached to this letter. I believe I followed the rules and any reasonable banker would accept the check. AAB refused my payments with the same format of the letter, I have an example attached. In the letter, AAB added extra rules and restrictions as the reasons to refuse. I also attached my bill pay profile to this letter. I believe it is a typical case of discrimination against particular customers. I hope you can help me and held them accountable of these discriminatory practices. 
I can be contact at XXXX or XXXX XXXX XXXX XXXX, XXXX CO XXXX. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My mortgage company has not paid my county tax. I have made numerous calls to customer service and have sent certified letter in regard to this issue.

I have received a letter from the tax authority that my county tax has not been paid from my escrow account.

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 2021-03-28 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: MI

Complaint narrative:
On my Experian credit report, there is an amount of {$470.00} owed to XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.

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 2021-03-28 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:
The information currently reflecting on my personal credit from the " XXXX XXXX XXXX XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

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 2021-03-28 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: PA

Complaint narrative:
The information currently reflecting on my personal credit from the " XXXX XXXX XXXX XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, CA XXXX Date : XXXX Amount : {$540.00} Account : No XXXX I never signed for anything and they did not check for any ID. I want this Debt off or I will make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am trying to sell my house and Chase bank has 3 liens filed with county clerk. I have one HELOC that was amended in XXXX the first lien refers to a XXXX equity loan that was paid off by the XXXX HELOC that they modified in XXXX. I submitted documents showing the payoff of the XXXX loan and the modification of the XXXX loan. there should be one lien only which will be paid at closing. they are ignoring repeated requests for the documents only to respond with emails stating it is being worked on. no person is signing the emails, no number other than customer service email and phone number and blank emails stating it is being worked on. 

the house sits empty and I am paying mortgage, property tax, utilities at the house along with rent and closing is held up 2 months now. I called then submitted everything XXXX. I found 20 year old documents to prove these liens should not exist and were resolved so that should mean some kind of shortening of their " research ''. I can not imagine if I did not have those old paper documents but that I do have them makes this more of a problem. their own bank failed to file the resolutions and I have sent everything. they do not handle anything and they are at fault for not filing the documents to begin with and then not handle after I sent proof. I may lose this deal for the sale because I cant get my title and I am unable to sustain paying for two homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I wrote a complaint about my Bluebird account being processed late. After my complaint was sent to you, the new owners of the Bluebird name have suspended my account in retaliation. My account is blocked from access online and wasn't resolved upon calling the customer service number. They wanted me to confirm that another card I use was allowed to send money to my Bluebird account. When we made the call to the other card company, the information they needed wasn't available from that card agency ( XXXX  XXXX XXXX ). There was a small balance of money that can no longer be accessed by me or anyone else without any resolution possible. The account was locked from the Bluebird side, and once this was confirmed with XXXX, Bluebird had no reasoning available to address my lack of access to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a text confirming signing up for message from XXXX XXXX. I had never signed up for anything here. Then on XX/XX/XXXX I got a phone call from XXXX that works there with some questions about a loan I applied for. I never applied for a loan there, so they denied any application on record. 

Then on XX/XX/XXXX I received a letter in the mail from CapitalOne saying the credit cards I applied for on XX/XX/XXXX were denied. I never applied for any credit cards there or anywhere else on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This all started back in XX/XX/2020. Capital one and agree to pay XXXX month on the XXXX. On what we agreed on. Capital one is not keeping its word. Capital one is not telling the credit companies that I am paying off debt to them. I want formal complaint against the ceo and the board directors of capital. I want the person or the people handling my complaint fried. For blowing me off for these months. I want it done. I want the payment to come out on the day I said. Not few days after. On the day the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: CT

Complaint narrative:
Im experiencing financial hardship, being that Ive been impacted by covid 19 and I have been paying what I can and the credit bureau and ally financial is reporting that Im 30 days late. Due to the pandemic relief packages guidelines the credit bureaus are not in compliance and I made a payment on my auto in 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 2021-03-28 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: NY

Complaint narrative:
In response to Transunion, I XXXX XXXX born XX/XX/1990 give Transunion credit bureau authorization to look into the fraudulent XXXX account that is reporting on my transunion credit report

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 2021-03-28 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: FL

Complaint narrative:
I was a victim of Identity theft. There was a bankruptcy filed on my credit report without my knowledge or authorization. I was able to provide documentation from the Bankruptcy courts and from the 3rd party company they use " XXXX XXXX '' that also provided me documentation that further confirms that they have removed this information from their report. However Experian and only Experian refuses to removed the a dismissed bankruptcy off of my credit report that has been confirmed is fraudulent. I need assistance with getting this matter resolved.

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 2021-03-28 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: CT

Complaint narrative:
Im experiencing financial hardship, being that Ive been impacted by covid 19 and I have been paying what I can and the credit bureau and XXXX XXXX is reporting that Im 30 days late. Due to the pandemic relief packages guidelines the credit bureaus are not in compliance and I made a payment on my auto in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was sent three legitimate XXXX transfers for rent/bills to my Wells Fargo checking account on XX/XX/XXXX for {$200.00}, on XX/XX/XXXX for {$15.00}, and on XX/XX/XXXX for {$310.00} by my ex-boyfriend. On XX/XX/XXXX I found myself locked out of my Wells Fargo App and the Wells Fargo Website. Upon contacting them, customer service vaguely transferred me to their Fraud department where I was asked if I could account for the reason for the three transfers. I stated they were probably from my ex-boyfriend, as I could not access my accounts at that time to look at the said transfers she rattled off since I was still locked out of account access, to pay bills such as rent. She asked what his name might be and I confirmed. She then proceeded to tell me that my extra-boyfriend has claimed that these legitimate XXXX transfers made two and three months prior were reported as fraudulent by my ex boyfriend to his bank, XXXX XXXX. I said that they were clearly legitimate, looking at prior history of him sending me money, would demonstrate that. She took me that it would be investigated by Wells Fargo and they would go back and forth with XXXX  XXXX regarding the matter, making it seem that my bank would protect Me from a man who had already tried to steal {$200.00} from my Wells Fargo Checking account just two weeks earlier, causing me to open a new checking account to try to ensure my funds would be safe. The next day, XX/XX/XXXX, I would up to see that {$520.00} was missing from my Wells Fargo Checking account. They revised the XXXX transfers and released the funds back to XXXX XXXX to give back to my ex boyfriend. He is running a scam and Wells Fargo assisted him in doing so. I have plenty of evidence which demonstrates that the mere act of reporting these legitimate XXXX transfers as fraud two and three months after the fact is indeed an act of fraud committed against me and Wells Fargo is refusing to return my {$520.00} they took from me. I am looking to get help. This isnt right and one of their condescending managers essentially hung the phone up on me the other day.

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 2021-03-28 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Hello, Thanks a lot for this service. 

I want to file a complaint against Comenity Bank. I opened a XXXX credit card that is operated by Comenity Bank. I never made a transaction with the Credit Card except for the one unfortunate transaction of {$3.00} using this card on XX/XX/2020. Because I had never used this card, I did not remember the transaction. Because of COVID-19 too, I was going through a lot of stress concerning my job. However, my two major cards that I use were paid on time. For that {$3.00} transaction on this card, I was made to pay {$67.00} ( with my transaction and interest compounding every month! ). Throughout the three months that I was being charged with these compounded late fees and interests, I wasn't called once though the Bank had my contact number. I believe as a customer, I had the right to be notified of the late payment before reporting the late payment to the credit bureau. The email address that the Bank had was wrong, so I did not receive any statements if any sent. The late payments were reported to Credit Bureau and my XXXX score has dropped to XXXX because of this disrespectful attitude of the Bank. I got to know of the pending payment through my dropped credit score on XX/XX/XXXX and paid instantly. The account has been paid and closed now but I want to file a complaint against this disrespectful attitude to customers that affected my credit score so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I submitted a dispute with creditor Ally Financial through a credit agency. Notwithstanding the underlying dispute, Ally Financial disagreed with the dispute and instead alerted XXXX that the charge off that occurred in XXXX, actually happened in XX/XX/XXXX ( when they responded to the dispute ). As such, XXXX updated my credit report indicating the loan was recently charged off in XX/XX/XXXX, instead of almost five years ago in XXXX. They updated the entry to show this will fall off my credit report in XX/XX/XXXX since the charge off is dated XX/XX/XXXX. 

Clearly, this is erroneous as I paid this account in XX/XX/XXXX, and Ally Financial illegally believes there is still a balance on the account, which they charged off in XXXX. They do not get to update the account and erroneously state the charge off date to a date almost five years later. XXXX states they report exactly what the creditor told them to report and have no duty to check the information. As I informed XXXX  they have the credit report of the last five years and can see when the charge off occurred, without much research. XXXX has put in another dispute with Ally Financial to see how they respond. This is not sufficient, as Ally Financial continues to violate laws in error reporting to the credit bureaus.

Company response to consumer: Closed with explanation