vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
XXXX will not update my credit report has not been updated since XXXX XXXX I let XXXX know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.

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 2021-05-25 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: CA

Complaint narrative:
There are two late payments reporting that shouldn't be I called the company and advised them of my hardship due to the COVID shut down. I was informed of the help and that it wouldn't affect my credit status. Please help assist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: DISCOVER BANK
State: UT

Complaint narrative:
I have submitted a complaint with you about the incorrect reporting through Discover and XXXX XXXX. They are still affecting my credit and I haven't heard from either of them about these account. All they keep telling me is that they are working on " getting me the information '' Its been a month now. XXXX XXXX is the only on that gave me a date XX/XX/XXXX that I would hear back nothing about what that would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: VA

Complaint narrative:
XXXX XXXX  deposit XXXX plus XXXX in the account has gone missing and to date no one can tell me where my XXXX dollars is located

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 2021-05-25 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX DEPARTMENT STORE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: NC

Complaint narrative:
I called AWA collections services to inform that I received a hospital bill from XXXX XXXX in Tennessee. I advised AWA that I have never in my life been to Tennessee. Someone used my social security number and a wrong last name fraudulently, The person used the last name XXXX XXXX which is not my last name, but they used my social security card. Awa said that there is nothing they can do about it. AWA suggested I called the hospital billing department. I called the hospital billing department in Tennessee and was told that they can't find that account. Last year I had to file a police report here in North Carolina because someone in Tennessee was working under my social security number. I called that employer and the person was apprehended and fired. I have been trying to resolve this stolen identity issue for years which has interfered with my XXXX XXXX XXXX Benefits. Please Advise on how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I mailed a dispute letter to Equifax XXXX XXXX disputing the accuracy of a list of accounts. In this letter I included my full name, date of birth, social security number, as well as a copy of my driver 's license with a comment that it displays the correct and current address. I received a letter in response from Equifax stating " We were unable to locate a credit file in our database with the identification information you provided. '' This is false because I have received several alerts that they have updated my credit file after having received my letter of dispute. On four of the updates Equifax left a comment on the accounts that state " Consumer disputes-reinvestigation in process ''. This is verification that Equifax has in fact been able to locate my credit file with the identification information given in my dispute letter. This appears to be an attempt to either evade responsibility and unethically prolong the Fair Credit Reporting Act 's dispute window of 30 days. I have responded to Equifax with another letter pointing out their error and I expect for the disputed items to be removed if they can not be properly and thoroughly verified and validated within 30 days of my initial dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NY

Complaint narrative:
Experian is reporting inaccurate information and fraudulent status never late and is a XXXX  balance My account XXXX is current and never late and there are duplicates my XXXX XXXX XXXX XXXX  is paid with XXXX balance why does Experian keep posting old information and inaccurate information. 
My.lowes account is a settlement XXXX balance. Experian is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.

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 2021-05-25 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: CA

Complaint narrative:
I have filed disputes with Experian about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted FTC and am now sending this information to Experian. 
on XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then changed information stating I had made a payment of {$50.00}?? to them and then changed and updated information on my report. THIS IS COMPLETELY FALSE! I Have never dealt with this company and This account if fraudulently on My credit report. I am requesting that Experian remove this information immediately.

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 2021-05-25 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: NV

Complaint narrative:
There are accounts, addresses, and inquiries listed on my credit report that don't belong to me. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX- money was stolen from our small business account. We notified Bank of America within minutes and a police report was filed. There is an electronic transaction that Bank of America has all the information about, so there is a party that has {$9300.00} that was taken as a THEFT. Bank of America claims it has zero responsibility, and we are unsure of how to prevent this sort of theft in the future. We don't know how this happened and how to avoid it, and believe Bank of America should have some kind of responsibility for this theft. This is a lot of money for a small business especially with shutting down for the pandemic afterwards, and we are looking for the bank to reinstate the money that was stolen from their banking system.

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 2021-05-25 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

Complaint narrative:
PayPal closed 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 in this pendamic situation as they have hold all of my earnings and telling me that i can not get it back moreover they are not even telling what is the reason behind this they would not answer the emails and calls.I am really stuck. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Back in XX/XX/2021 I apply for a cash out refinance on my home with Amerisave. 
I was told that for closing I need it to use XXXX as Title company and there was not other choice. I have no problem, everything was moving fast I was approved and all look good except for the title. 

I have an old Heloc with XXXX that was transfer to XXXX XXXX and the title company did do anything and they expect me to call XXXX to get all paperwork done. I call XXXX XXXX and they send them a letter explaining the situation and then the Title company said that there was a lien from an old loan. They are now claiming that XXXX told them that it takes 30 days to remove the lien. They could have started the process long time ago it is been already 3 months. 

House is 100 % paid off so I don't understand what is the lien they are talking about. It seems that XXXX is not really making any effort to clear the title. I was told by Amerisave that they are short handed but that is not really my problem.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NY

Complaint narrative:
XXXX  is reporting inaccurate information and fraudulent status never late and is a XXXX  balance My account capital is current and never late and there are duplicates my XXXX XXXX XXXX XXXX  is paid with XXXX balance why does XXXX  keep posting old information and inaccurate information. 
My.XXXX  account is a settlement XXXX  balance. XXXX is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.

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 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I sold a product using PayPal to a local buyer and delivered the product to him in person. We even took a video of delivery to his address and kept records of messages with the buyer in which he confirmed that he received the item. PayPal immediately collected their fee and then paced a hold on my {$950.00} so that I could not access the funds until the buyer confirmed that the product was delivered. The buyer then attempted to confirm the delivery but PayPal would not let him do so for 48 hours. Concerned that I would not receive my money I called PayPal offering to send proof of the delivery, including the screenshot of PayPals email taken from the buyer when he attempted to confirm the funds but it said it would not let him. I waited the 48 hours and now can not reach the buyer. I reached out to PayPal today and they said they have no way for me to show them proof that we delivered the product to the buyer. I again asked them to provide me a way to show them our messages with the buyer and the time stamped video of the product delivery but they refused. I asked why PayPal would make it so complicated and they replied that they wanted to sell card readers to sellers to make it faster. This concerned me because it causes an un necessary delay for the sellers so that PayPal can profit from more of their card readers in the market place causing a undue burden for their consumers and a long term profit for PayPal. I asked their manager named XXXX why they wound make their buyers wait and she wouldnt answer the question and the line went silent and the call got disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 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: Thaxton Investment Corporation
State: AR

Complaint narrative:
XXXX  is reporting the account with Covington credit/SMC inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting did not match the information that was reported by the other credit agencies. XXXX, AS WELL as XXXX could not provide validation so they removed it from my account but XXXX  still has not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAPITAL ONE XXXX ... KOHLS DEPARTMENT STORE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have submitted a complaint with you about the incorrect reporting through XXXX and Wells Fargo. They are still affecting my credit and I haven't heard from either of them about these account. All they keep telling me is that they are working on " getting me the information '' Its been a month now. Wells Fargo is the only on that gave me a date XX/XX/XXXX that I would hear back nothing about what that would be.

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 2021-05-25 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I purchased a vehicle secured by a loan through Santander. The vehicle was subsequently repossessed and resold. 

In 2020, I received a postcard stating that I was apart of a class action lawsuit with Santander and that Santander is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called Santander and they stated that they sent the appropriate paperwork and there was nothing else that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX is reporting inaccurate information and fraudulent status never late and is a XXXX balance My account capital is current and never late and there are duplicates my XXXX XXXX  and XXXX  is paid with XXXX balance why does XXXX keep posting old information and inaccurate information. 
My.XXXX  account is a settlement XXXX balance. XXXX  is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  and XXXX are the same debts different creditors and are both showing up on my TransUnion credit report for the amount of $ 3730.They both cant collect.Ive sent out a letter to TransUnion to remove this erroneous accounts immediately.

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 2021-05-25 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: CA

Complaint narrative:
I have filed disputes with EQUIFAX about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted FTC and am now sending this information to EQUIFAX. on XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then changed information stating I had made a payment of {$50.00}, which was then put on my report with another credit bureau ( XXXX ) to them and then changed and updated information on my report. 
THIS IS COMPLETELY FALSE! I Have never dealt with this company and This account if fraudulently on My credit report. I am requesting that EQUIFAX remove this information immediately.

Company response to consumer: Closed with explanation