vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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:
My credit report shows a collection from XXXX XXXX. In numerous correspondence with XXXX XXXX, they have failed to provide accurate documentation showing that this alleged debt has a valid reason for being reported past 7 years ( debt proof is dated XXXX, which is uploaded here ). The documents state the debt is 13 years old. 
I contacted XXXX and Experian and disputed the accuracy of the collection reported by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. On both occasions XXXX and Experian has stated that the debt was verified. However, XXXX XXXX has failed to provide me with documentation to prove the validity of this debt to be less than 7 years old ; therefore it is impossible for XXXX   and Experian to have properly verified the information reported. On XX/XX/XXXX, I uploaded the letter I received from XXXX XXXX to XXXX and Experian dispute site and explained that this is the only proof XXXX XXXX has been able to provide regarding this debt which is already 13 years old and I ask them to delete this item from my credit report since their is no valid proof that it is less than 7 years old. XXXX and Experian sent me a resolution dated XX/XX/XXXX stating that they investigated the information I disputed and it still shows the collection from XXXX XXXX XXXX report is attached ). At this point the actions of XXXX XXXX and XXXX   and Experian for failing to verify and report accurate information on my credit report is causing me monetary damages as I am unable to get approved for a professional license.

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 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/23 in the amounts of XXXX, XXXX and XXXX. 
Cashapp did nothing though I could prove that the person ( s ) are scammers. They refuse to refund me and close the person 's account. Cash app has debit, bank and credit cards tied to their user accounts and can easily reverse the transactions in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: UT

Complaint narrative:
XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - XXXX XXXX keeps reporting lates erroneously on my credit report and I have never received a notice for any of these collections. We have health insurance, and do not owe this debt. These need accounts need to be removed from my credit report immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: UT

Complaint narrative:
XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - XXXX XXXX keeps reporting lates erroneously on my credit report and I have never received a notice for any of these collections. We have health insurance, and do not owe this debt. These need accounts need to be removed from my credit report 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 2020-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have changed my legal name via court order. I have a new SSN card and California Driver 's License using my new name. 
After various requests, both via call and visiting a branch, I was unable to update the name on my Bank of America credit card account. 
Bank of America would only allow such requests to be made via snail mail and still would not process the request after providing all required documentation. This has been going for over six months.

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 2020-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
XX/XX/2020 : I received a Voicemail from an unknown number ( she said he name was XXXX XXXX ) citing legal action being taken against me and I must contact the collection agency before the case is sent to court I was given case number XXXX and told to call XXXX XXXX XXXX to discuss my case. And that since they couldnt reach me they would be issuing a order to locate on me and calling my employer ( even tho I am unemployed ) I called the number and a woman who sounded a lot like the woman who left the voicemail stated that I had an open case but it was locked and needed the last four of my social to open it. When I refused to give her my social she read the last four of my social to me then stated that due to a small XXXX XXXX loan and listed numerous allegations i had a case started against me in XXXX county and a judge has already viewed and approved it to go to court. She then stated that there were two different restitutions one out of court and one in court. The one in court would cost me over XXXX dollars on top of court fees and the one outside of court would be {$530.00} and I could pay it now. And I needed to pay it before the case is filed in 24 hours. I felt sick and I hung up and called my county clerks office and spoke with the civil court clerk and she said there was no case and I was likely being scammed or threatened. I checked XXXX and it said my debt was sold to national management recovery services. I believe I was just being scared or intimidated into paying a large amount of debt and lied to about the whole thing. I then received a scared call from my grandmother saying a woman who knew her name and address called and stated I was going to be going to court and needed to call the same number. None of this Can be legal or ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Self Financial Inc.
State: CA

Complaint narrative:
Self lender reported my account delinquent during COVID-19 shut down leading to my XXXX XXXX loan being denied for credit. My score was decreased by 46 points. I called to request a good faith delinquent removal and they refused. My situation was explained in detail, I had no history of late payments prior to COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Unknown to me, I have been charged a debt protection percentage on all purchases through my Best Buy Credit card. Originally I signed up for the card in 2008. Later I was told i would receive a new card that could be used any where visa was used. I did not sign up for this. i have continued over the years to make large purchases and set up autobilling only with Best Buy to pay off purchases before the promotional no interest ran out. What I did not see, because it is at the very bottom of the statement, which I have not been sent for years ( also which i did not request ) is that they had signed me up for percentage debt protection program. I absolutely did not sign up for this and they said i have been enrolled since 2008. I remember when I enrolled it was through a keypad in store that the employee filled in. I believe they added this service without my knowledge costing me hundreds of dollars over the years without my knowledge. They have now told me my acccount is in review for refund and it will take 30 days for them to respond to my request.

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 2020-05-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-05-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This nightmare began with with my trying to dispute simple information and ended up in them deleting the positive accounts like my XXXX XXXX to completely freezing my whole account. This caused me to lose a home i was try ing to purchase im at wits end and prepared to get an attorney to sue 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 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: OK

Complaint narrative:
I was paying XXXX the collection agency payments but turns out they are fake and Medicredit are the ones that were handling my debt but they had the wrong address for me so I never received anything from them but instead I received information from 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 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I just received an email from Comenity ( the servicer for my XXXX  XXXX  credit card ) threatening to cancel my card and report the cancellation to credit bureaus if I do not make a purchase by XX/XX/XXXX, since I have not made a purchase since XX/XX/XXXX. I understand their right to close my credit account, but the tone of this communication is very threatening. I called Comenity and closed my account, but I am very disappointed in these tactics, especially in this time of economic downturn. 

Excerpt from email : Keep your XXXX XXXX Credit Card from being closed with only one purchase. 
Were Comenity Bank and we handle everything related to your XXXX XXXX Credit Card account. 

You may not realize it, but your XXXX XXXX Credit Card account hasnt been used since XX/XX/XXXX. Thats why were planning to close your account on XX/XX/XXXX. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX BANK OF AMERICA HAD A CLOSE ACCOUNT AND IT WAS A MISUNDERSTANDING THAT BANK OF AMERICA REPS TWISTED THE ISSUE AROUND TO BLAME THE COMPANY AND HAD ME FILE A CLAIM TO SHOWXXXX WAS THE COMPANY DOING. I HAD A RENTAL CAR AND I WAS SEEING DOUBLE OUT MY ACCOUNT BOA SAID LETS FILE A CLAIM SI I AGREED TO FOR XXXX DOLLARS I LATER IN XXXX TALK TO ACCOUNTING FOR THAT COMPANY CAUSE IN XXXX BOA TOOK MONEY OUT OF ACCOUNT FOR XXXX AND NO NOTICE OR MAILS SO I ASK WHY AND THEY SAID IM NOT GETTING MY MONEY BACK THAT FRUAD IF I HAD DID THAT WE BE IN COURT. XXXX SAID THAT THEY WAS COVERING UP FOR A MISTAKE THAT BOA MADE AND LATER CAME IN A ACCOUNT AND TOOK MY FUNDS. SO BOA SAID THEY CAN DO IT WITHOUT ANY REASON AT ALL. XXXX XXXX I PAID IT TO THEM BUT BOA STILL STOLE MONEY WHICH IS NOT RITE

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 2020-05-27 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: STONELEIGH RECOVERY ASSOCIATES, LLC
State: SC

Complaint narrative:
Stoneleigh recovery associates put a hard inquiry that resulted in negative inquiry on my credit report and when I called they were rude as XXXX and wouldn't tell me what the supposed debt was but that the debt was purchased and that I owe them now for something they won't tell me what it is, and more importantly if I give them more information, it will be used against me..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: OK

Complaint narrative:
Paypal has decided to limit by account. They have sent many messages stating that they might " steal '' my money claiming they are damages to their company. Also in the same message they are stating that after 180 days they will release my money. This is a contradiction. it has already been over 150 days since my account was limited. If there were any " real '' damages, paypal would have had to time to show proof of this. Since the full amount of my funds are still in my account in the amount of {$1900.00} USD, Paypal can clearly see that there have been zero damages to their business. All items have been sent on time to my XXXX buyers. All my products are legal and I have invoice for each of them from my ebay sales from XX/XX/2020. I am requesting the funds be made available for withdrawal as there is no purpose of Paypal holding these funds any longer, other than for Paypal to " gain interest '' investing my money which they should not have the right to do, considering all my sales are from fully legal products, which I can prove. Paypal blocked any way of communicating with them after they limited my account and I have sent repeated emails asking the date I would be able to withdraw my funds with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I purchased a used vehicle online via XXXX, XXXX. On XX/XX/XXXX, XXXX sent a copy of the credit score they used from Experian to determine financing. The score provided by Experian was XXXX. I called XXXX the same day to ask why the score they used was lower than the score I was seeing. On XX/XX/XXXX XXXX responded by telling me they use a combination of XXXX Score XXXX and XXXX XXXX. The same day, I ordered my XXXX Score XXXX, which was XXXX, and my XXXX XXXX score, which was XXXX. I then asked both XXXX and Experian if they could explain why the XXXX score they were using was so much lower than the scores I was seeing. Neither company gave me an answer that explained such a drastic difference. 

If Credit scores are provided as a guide to help consumers determine their potential financing, then someone should be held accountable for explaining how and why a lender is using a score that is drastically different from the score to which the borrower has access.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outragous amount of accounts that have been open or are ope. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BNKRUPTCY DISSMISSED

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outragous amount of accounts that have been open or are ope. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BNKRUPTCY DISSMISSED

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 2020-05-27 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:
This is the first time I have encountered identity theft. Ipulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I deposited my Pandemic Unemployment check via mobile app to bank of america totalling XXXX. No more than 10 minutes later, my account was closed and the funds put on hold. I called them, they told me it would be released today XX/XX/XXXX pending they confirm the check is valid and cashable. They check is drawn on a Bank of America account, here in Arizona so there is no reason it should take that long. After waiting until the XXXX as instructed, I was informed it is still on hold with no date for release. I have not been able to access any of these funds to date.

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 2020-05-27 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: GA

Complaint narrative:
I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of 2019. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of 2019 and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX  XXXX  XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.

Company response to consumer: Closed with explanation