vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Hello I was recently going over my accounting which i check my statements from Wells Fargo every other month, I noticed that from XX/XX/XXXX to the XXXX of XXXX, there were XXXX worth of unauthorized XXXX  transfers. 

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX total XXXX I called immediately when i found out at XXXX on XX/XX/2020. Spoke to claims and they gave me a number to call in the morning. Recently I recieved a letter from the hospital stating that my personal information has been leaked and that I should check if I have been a victim of fraud. I paid it no mind at the time, until I started doing the accounting for my new XXXX XXXX and was checking the debits and credits due to me recently linking this account to the XXXX. When I came to the conclusion I was around XXXX short I immediately called or tried to. to get this situation resolved. I called back in the morning to no avail. I have many other XXXX  transactions on there that Iam fully aware of, the ones i dont i contested and have yet to get an positive feedback

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 2020-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have multiple transactions that I did not authorize and my card has been missing since the XXXX of this month. Unfortunately I had my pin on the back of IT. This has never happened to me before. Usually I am on top of things but lately I have experienced some health issues, and I can't believe that As many times as I've called no one has assisted me with this issue. I desperately need my money as well as a new card. Alls they do is transfer me and after 1- 3 hours later I get disconnected. PLEASE HELP ME IN RESOLVING THIS MESS.

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 2020-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally financial keep drawing money out of my my bank account that is used for personal things, Ally financial has an account they are to be taking money out of for our car payment but refuses to take out of the allowed account. This is unacceptable and keep putting my personal account into the negative costing me an extra XXXX $ a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Nelnet, Inc.
State: OH

Complaint narrative:
DEPT OF EDUCATION/NELN is stating I was late as of XXXX and XX/XX/XXXX ; however, you look at the account it show this account was NEVER LATE AT ALL! Please the the prior months of XXXX which is displayed in the pictures that are attached. If I was NEVER LATE in all of XXXX, how can I be 90-120 late in XXXX and XX/XX/XXXX. 

PLEASE CORRECT PAYMENT HISTORY AND THIS IS VIOLATION OF FAIR CREIDT ACT 611. THIS INFORMATION IS NO ACCURRENT. 

The credit agencies will be held responsible and liable for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: OH

Complaint narrative:
DEPT OF EDUCATION/XXXX  is stating I was late as of XXXX and XX/XX/XXXX ; however, you look at the account it show this account was NEVER LATE AT ALL! Please the the prior months of XXXX which is displayed in the pictures that are attached. If I was NEVER LATE in all of XXXX, how can I be 90-120 late in XXXX and XX/XX/XXXX. 

PLEASE CORRECT PAYMENT HISTORY AND THIS IS VIOLATION OF FAIR CREIDT ACT 611. THIS INFORMATION IS NO ACCURRENT. 

The credit agencies will be held responsible and liable for damages.

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 2020-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Back in XX/XX/2019 I started receiving collection phone calls and notices from National Credit Adjust ( XXXX ) XXXX for a debt in the amount of {$1500.00}. This is being reported on XXXX, XXXX, and XXXX. I also received a collection notice for the same debt from XXXX XXXX XXXX asking me to settle this debt. I wrote to National Credit Adjust asking for verification for this debt. They never responded to me. It appears as though 2 different creditors are trying to collect from the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Nelnet, Inc.
State: OH

Complaint narrative:
Here are the pics for compliant : CFPB # XXXX  XXXX XXXX  XXXX XXXX XXXX I forgot to attach the pics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: OH

Complaint narrative:
Here are the pics for compliant : CFPB # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I forgot to attach the pics.

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 2020-10-13 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: OH

Complaint narrative:
Here are the pics for compliant : CFPB # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I forgot to attach the pics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: OH

Complaint narrative:
Here are the pics for compliant : CFPB # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I forgot to attach the pics.

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 2020-10-13 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: OH

Complaint narrative:
I recently paid off my collection account with XXXX XXXX XXXX XXXX. The agency has now changed its policies when it comes to accounts which are 2 years old. The agency will now delete the account from all 3 credit bureaus once the account is paid in full. See attached file. Equifax did initially remove the account, but has recently added it back to my credit report. It has already been removed from XXXX, and XXXX. I contacted XXXX XXXX XXXX Services, XXXX XXXX XXXX XXXX and they informed me that Equifax added this back without authorization from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/2020, PayPal froze my account and the sum of {$16000.00}. They say I violated there buyer protection agreement but after reading that agreement. I in no way violated said agreement. On XX/XX/2020 they placed a hold on my funds for 180 days because of charge backs and complaints but that would be impossible because the money was a loan and the person who loaned me the money had there account banned as well so even if they wanted to complain they couldn't. PayPal is refusing to release my funds to me under this facade. I feel like I'm being bullied by this company and they have lied to get me to pay outstanding balance using my locked funds as leverage even deducting the funds from the locked account. please help me with this matter PP-LXXXX is the case number to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My issue is with transunion and Equifax 1 Equifax I cant lock my credit file because Equifax says they cant match my account with my personal information. I go though verification every time I log in and its starting to get old especially when Im paying for there services. This has happened on several sites that has Equifax on there apps they need to fix it and you cant reach anyone they dont answer phones or the automatic machine act like they cant under stand anything. 

2 XXXX  they are the worst of them all.. every transunion site I have is horrible I can login and check something and log out and then it tells me my password or user name is wrong when I just logged out and then to reset it you have to wait a day for the system to email you to reset it. Ive called them too many times and can never reach anyone I have 8 numbers for them and its all the same you never get a human. I am a victim of identity and I cant even lock my reports because they say I have to wait until a dispute is completed which has been about a month now. There helping people access my profile by not allowing me to lock my report. Then when someone sues them which Im in the process of doing they wan na act like its not there problem. Im paying for 3 of there sites and there all the same. I cant even cancel my accounts due to me having log in issues if someone can help me just get rid of all my memberships with the credit bureaus would be a big help because Im wasting my money and time trying to keep my identity protected I might aswell post my personal information everywhere online for that matter since there is no protection with these sites and apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: OH

Complaint narrative:
I have not been late on this account and I have requested PHYSICAL PROOF of late payments since XX/XX/2020 of this year and have never received such information, please correct payment history. 

Please provide all the people involved in this investigation as well with notarized documents.

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 2020-10-13 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: OH

Complaint narrative:
I have not been late on this account and I have requested PHYSICAL PROOF of late payments since XX/XX/2020 of this year and have never received such information, please correct payment history. 

Please provide all the people involved in this investigation as well with notarized documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: OH

Complaint narrative:
I have not been late on this account and I have requested PHYSICAL PROOF of late payments since XX/XX/2020 of this year and have never received such information, please correct payment history. 

Please provide all the people involved in this investigation as well with notarized documents.

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 2020-10-13 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2020 I received a settlement offer from synchrony bank/PayPal for my charged off account in the amount of {$1000.00} through XXXX. I paid this amount through the company. On XX/XX/2020 I called the collections department of PayPal credit who confirmed my payment was received on XX/XX/2020 and would update on my credit report within 30 days. This information showed on my XX/XX/2020 credit report as settled for less than the amount and a {$0.00} balance. On XX/XX/2020 PayPal reported the account as an open charge off with a balance of 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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit union XXXX  tells me I am entitled to a FREE credit report. When I went to Experian 's web sight as directed by XXXX, I was denied access. There excuse was there is no credit report in my area. WHAT!!??? XXXX, PA XXXX doesn't have a credit report? 
These people also bombard me with email saying for a small fee that Experian can fix my credit. When I dispute anything on the web sight they just remove it and oh wahla! It appears on XXXX XXXX or the other one. 
It is a three ring circus, I have been going through XXXX ever since my wallet was stolen at gun point over ten years ago.

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My issue is with transunion and XXXX  1 XXXX  I cant lock my credit file because XXXX  says they cant match my account with my personal information. I go though verification every time I log in and its starting to get old especially when Im paying for there services. This has happened on several sites that has XXXX  on there apps they need to fix it and you cant reach anyone they dont answer phones or the automatic machine act like they cant under stand anything. 

2 Transunion they are the worst of them all.. every transunion site I have is horrible I can login and check something and log out and then it tells me my password or user name is wrong when I just logged out and then to reset it you have to wait a day for the system to email you to reset it. Ive called them too many times and can never reach anyone I have 8 numbers for them and its all the same you never get a human. I am a victim of identity and I cant even lock my reports because they say I have to wait until a dispute is completed which has been about a month now. There helping people access my profile by not allowing me to lock my report. Then when someone sues them which Im in the process of doing they wan na act like its not there problem. Im paying for 3 of there sites and there all the same. I cant even cancel my accounts due to me having log in issues if someone can help me just get rid of all my memberships with the credit bureaus would be a big help because Im wasting my money and time trying to keep my identity protected I might aswell post my personal information everywhere online for that matter since there is no protection with these sites and apps.

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 2020-10-13 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: MD

Complaint narrative:
On XX/XX/2020 I received a settlement offer from XXXX XXXX/XXXX  for my charged off account in the amount of {$1000.00} through XXXX. I paid this amount through the company. On XX/XX/2020 I called the collections department of XXXX credit who confirmed my payment was received on XX/XX/2020 and would update on my credit report within 30 days. This information showed on my XX/XX/2020 credit report as settled for less than the amount and a {$0.00} balance. On XX/XX/2020 XXXX reported the account as an open charge off with a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I lost my job due to COVID 19 and called Victoria Secret customer service to see what my options were. The agent advised me that I would be ok as long as the payment was made by XXXX. I made a payment and they still reported my account 60 days late for three months. I have been told the agent advised me incorrectly but I was doing what I could on my end. Now my credit is showing 60 day late and they have also reduce my limit from XXXX to XXXX. I cant refinance my car. Loan or anything all because of this error on VS side

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Online banking access has been disabled to review complete records of the 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 non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My report was pulled without my knowledge or authorization resulting in an inquiry on my report. Customer service would not agree to help take care of the negative inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I closed an credit card account with citi bank security credit card and left a balance of - {$420.00} Due excessive payments the banking is making difficult to return this money back to me, I got only {$65.00} check sent by mail and the bank keep holding {$360.00} since XX/XX/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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/2020 Wayfair order placed online order # XXXX for a crib in the amount of {$640.00} XX/XX/2020 I notified Wayfair canceling this order due to no response of order and still processing. 
XX/XX/2020 I was notified thru email that this now pending and could not cancel. 
XX/XX/2020 item was supposedly shipped. 
XX/XX/2020 a refund was applied in the amount of {$530.00} less shipping charges of {$150.00}. 
XX/XX/2020 after backwards and forth emails Wayfair creddit for full amount {$690.00}. 
Receiving numerous call from their financial instiution I thought it would self adjust with delays with COVID. 
Spoke with a representative from Comenity Bank finance charges keep occuring to date. Need to contact Wayfair to resolve. 
XX/XX/2020 XXXX XXXX  filed on Wayfair 's site disputing finance charges and please contact their Comenity Bank. 
XX/XX/2020 receive an email declining my credit card with Comenity Bank and a credit with Wayfair in the amount of {$51.00}. 
I wish this to resolved with Wayfair as I feel the order was never completed until I canceled and the communication with their credit card carrier as I trying to establish a very outstanding credit score.

Company response to consumer: Closed with monetary relief