vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-11 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: AZ

Complaint narrative:
On XX/XX/2020 I mailed a letter to experian disputing my account with XXXX XXXX XXXX and the company the debt was sold to XXXX XXXX XXXX. On XX/XX/2020 I received a copy of my credit report stating iteam remains unchanged from our processing of your dispute in XX/XX/2020. On XX/XX/2020 I mailed in a letter requesting their method of verification a week later I received a post card in the mail stating they would investigate on XX/XX/2020 I received a copy of my credit report again and in the account was updated from the dispute in XX/XX/2020 on XX/XX/2020 I mailed in a letter stating XXXX has been found guilty in a court of law of predatory lending practices and fraud and has been ordered to remove all negative information from my credit file along with the court documentation from the Arizona State Attorney Generals office. On XX/XX/2020 I received a copy of my credit report experian updated the comments stating I was XXXX to XXXX  military XXXX. I have never claimed to be in the military nor did I state I have been called to XXXX  military XXXX  wich would require me sending in documentation from the government or a military ID. Experian is not doing their job and properly verifying information on my account at this point they are making up stuff I have been negatively affected by their negligence I have been denied numerous job and housing opportunities due to experian not properly verifying information on my 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 2020-10-11 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: Coinbase, Inc.
State: PA

Complaint narrative:
I have attempted to regain access to my Coinbase account since XX/XX/XXXX XXXX. I have sent photo id drivers license, and opened account to find no money!! And a message that my portfolio could not be acessed. The phone number the give gives no access to live representive. Since XXXX i have spent hours to try to acess my account tickets prove to be a series off complicated lost of things to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
Saturday, XX/XX/2020 Received call at XXXX XXXX. From XXXX at Comenity Bank Saturday XX/XX/2020 Received call at XXXX XXXX  Told both callers the time I was in and they appeared to not care. Told them I would report if they did not stop calling at the early time.

These charges are fraudulent. I had paid the bill while the bank conveniently lost the check. I called and informed I would have a new check issued and that a stop payment would be placed on the initial check. Then once the initial check had a stop payment and a new check was issued Comenity found the check. They then applied the amount on the account. The second check was received after the statement date closed ; thus implying a late  charge. The account in question is completely based on fees and late charges from those fees. They should be removed and reported correctly to the credit bureau as creditor error NOT my error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
In XX/XX/2020 I received a receipt in the mail which stated something about a transaction for {$4300.00} was made with my name and address listed to and account that was created without my transaction. I called the bank immediately requesting the account to be closed also that the account was the enactment of identity fraud. I was recommended to filing a police report with XXXX Police department in which I was unsuccessful. i called the office explaining their website would not except the date of event I was try to enter for the date of which I was contacted by mail of the transaction. This attempted act to report the event took place the duration of the time I waited for the affidavit in the mail. The forms never arrived so I went to the main XXXX XXXX location for XXXX XXXX XXXX XXXX to pick up and also return the affidavit the following day due to the request of information I didn't have available during my visit. I assumed that with the affidavit turned in I'd be ok. I even called the the irs to report the event as well ( having very little to no knowledge of knowing who to report to ). The representative attempted to pitch me identity theft protection which I did and still do not have the funds to uphold another money payment as I am a new homeowner trying to survive the impact of covid-19. However I while working for a telemarketing company years ago I'd come to believe that  Identity theft protection was a scam in itself. I just wanted to file my complaint of identity theft. I'm still unclear as to if the call I made was report I never received confirmation to my recollection. Just last week some time I received another letter from a new bank account also opened without my transaction which is also an enactment of identity theft. I called that bank and repeated the same process also I didn't file and affidavit bc there was no other transaction on the account other than it being open online. someone is using my social security number, my home address and other unknown information to commit fraudulently crimes under my identity. I received a notification this week from XX/XX/XXXX that the {$4300.00} transaction has been added to my account. I must have misunderstood the entire purpose of the affidavit. i don't know who to talk to or what to do so I called Missouris Attorney General and requested helped on the identity fraud. the let has arrived today and I am filing it out and having the paper mailed out immediately. I have no other issues outside of that of what I have mentioned above. Please help me if you can. I only filled out this complaint because it asked if I have done so in my papers obtained for Missouri General Attorney. I have no idea what I'm doing.

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 2020-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have been unable to contact Paypal for assistance, I have submitted document to get account limitations listed which prevents the withdrawal of funds and other actions as requested. There has been no response. The hold advised by paypal is due to unusual activity in which there has been no unusual activity, there is over {$600.00} also on hold in the business account deposited for XXXX sells settlement, XXXX has advised that funds were released and I am able to have access to such funds. Paypal has account limited as well as all funds on hold without communicating with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
ConServe agreed to delete this collection account from my credit report and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to capitol I was unable to get though due to high call volume. I tried to contact capital one though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since capital one refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by capital one 's own company. They still refused any assistance on resolving the error and sent a letter saying they will not remove the error late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Back in XX/XX/2020, I received a bill from Citizens Bank, for a credit card I had never authorized. In a matter of a few days, {$7000.00} were charged. This had started back in XXXX. As soon as I realize it, I reported to the police and the credit bureaus, followed the steps given to report identity theft and fraud, froze my credit and set an alert.

Sent a letter reporting the identity fraud to the credit company itself, Citizens Bank. 
Months passed, sent a second letter and finally heard from them, XX/XX/XXXX, but not the helpful response I was expecting. They simply said that after reviewing my account they had denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was billed {$27.00} for no reason. I never agreed to a membership. I was forced to put my credit card info in just to sign in. Then at no time did they have a page that notified me I was about to be charged {$27.00}. At no time did they ask me to confirm my order.

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 2020-10-11 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: NJ

Complaint narrative:
The bottom line is this : XXXX  and XXXX  have my credit scores both at XXXX. Experian  lists my credit score at XXXX. Experian  keeps sending me emails to sign up and pay a membership cost so that they can " fix '' my credit score. I have no mortgage, I have {$50000.00} in available credit card usage which is never over 7 % usage. I earned {$130000.00} last year. I have religiously paid off my credit cards at the end of every month since 2014. I have very old bad credit dating back 10 years or more, but other than that there is no reason why I would have a credit score of XXXX. I think Experian is trying to extort money from me to fix my score.

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 2020-10-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of  phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX  XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX  XXXX refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any  assistance on resolving the error and sent a letter saying they will not remove the error late payment.

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 2020-10-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX  XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX  XXXX refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any  assistance on resolving the error and sent a letter saying they will not remove the error late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX XXXX refused to  respond to my requests, they caused a XXXX late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any assistance on resolving the error and sent a letter saying they will not remove the error late payment.

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 2020-10-11 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: NJ

Complaint narrative:
XXXX XXXX is reporting I owe an account after advising I was a victim of ID theft. 

ID theft statement not to open new accounts was on file with credit reporting agency.

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 2020-10-11 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: IL

Complaint narrative:
have two XXXX XXXX  accounts still on credit report showing closed i requested those two accounts be removed and block i sent n wrong police report credit so im uploading the report with the officer name

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 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
After several attempts to contact company I finally just paid the balance to keep it off my credit. Payment was paid in full on XXXX XXXX, 2020. They assured me it would not show, and it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
harassment excessive calls after i filed Chapter XXXX Bankruptcy. Excessive calls daily and over 50 in a month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
With my. Target credit card. TD BANK USA/ TARGET CREDIT.

I paid off my balance when I refined my house in XX/XX/2020. I was under the impression that I am a XXXX  balance. 
There was {$2.00} Finance charge. Which I did not have any problem to pay to make sure that my account is XXXX balance. 
The problem that the TD BANK USA/ TARGET CREDIT failed to communicate with me. Or notify me. I called them finally in XX/XX/2020 when I recognised that I have a past due balance. I got to know this past due balance from my huge drop in my credit score. So I called them inquiring about the problem. They said that I owe them {$2.00} plus {$5.00} fees and they send me emails about it monthly. I looked it up and I see all emails were going to my spam and my pc consider it as spam advertisement.

When I explained that to them the bank representative said that there is no default on their part and they have to report it to the credit bureaus.

It is as serious matter as I am very careful on my credit payments and my credit profile and I keep very close eye on my finances.

But when I do not get a good way of communication from the TD BANK USA/ TARGET CREDIT and they report it to credit bureaus that is unfair.
I asked if I did not response to your emails why you did not send me a letter by mail or a phone call or both.

Representative said we do not do so.

It is a serious matter as they report a delinquency in my account and I have no way of communication with the bank to get to know that I owe them {$2.00} plus there {$5.00} ( {$1.00} a month ) Fees.
That is not fair and I am disputing that. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
The problem I have had with AAG is that my line of credit has not changed since XX/XX/XXXX. Since then it has varied between {$1.00} and {$1.00}. A month or so ago I called about this, I was told it was due to fees charged. 

I also noticed some misleading statements in their television commercials. They stated that funds could be used for medical emergencies or house repairs. There is not much I could use for {$1.00}. I also noticed that they stated it was begun in XXXX. However, reverse mortgages did not begin until President XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Upon looking at my XXXX  Credit Report on XX/XX/XXXX I discovered a negative collection on my account that does not belong to me. I then disputed all of the addresses and phone numbers added to my account and included this collection as a dispute. There was reference on the website to contact the Company to try and resolve this first so I phoned TRANSWORLD SYSTEMS   with the number given on the report, ( XXXX ) XXXX. When I phoned to tell them the collection was not mine, they asked me to verify my SSN so I did and then the person indicated they would submit the information. The address associated with this collection, I have never resided in. I own my home in XXXX and have lived there since XXXX. The dispute came back indicating the information and collection is mine. It is not and I fear the SSN I gave the collection agency was used against me in claiming this collection is mine. The original company XXXX XXXX sent this collection of {$710.00} to collection, and I have never had an account with this energy company. My account along with my accurate address resides with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: TX

Complaint narrative:
this account XXXX XXXX XXXX finance account number : XXXX. I have tried disputing the information on verification of the account with the bureau. this account does not belong to me. i will attach my FTC report, drivers license and a letter stating this information.

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