vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent two personal update letters to Experian requesting that they only report my current address. I asked that anything not listed as current be removed from my file. Experian has not budged on deleting old, inaccurate addresses off my file. I can not receive mail from the United States Post Office at these inaccurate addresses.

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 2021-05-26 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: FL

Complaint narrative:
I have a loan with CAPITAL ONE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
i was paid by a buyer via paypal for an artists product whom i work for. paypal took a fee, but when i tried transferring money to the artist for the goods, paypal put a hold on my account and will not release the funds unless i give them the buyers date of birth, along with a detailed description of what the product is, how we sell it, how we inform the buyer of delays etc. i provided all the info requested other than buyers DOB and i am still getting generic emails asking for the same thing over and over, holding onto our funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX I mailed a dispute letter concerning Identity theft that was opened under my name with Arvest Bank. Till date I have not received any kind of response relating to my dispute of a checking account being opened in my name. I've still XXXX  at XXXX XXXX XXXX XXXX in XXXX ok since XX/XX/XXXX and I have been in the Oklahoma department XXXX XXXX since XX/XX/XXXX. There's no way I could've have opened this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I requested a {$7900.00} wire transfer using the First Republic Bank mobile app. I got an email stating that the wire had been scheduled. 

Next day, on XX/XX/XXXX I received a second email stating that the they were unable to complete the transaction. At the time I did not see this email and thought the wire had gone through. 

In the mean time, the wire was not reimbursed or returned to my account. 

XX/XX/XXXX - The recipient informed me that the money never reached their account. I asked my account manager to please explain what had happened. He reached out to the wire team. 

XX/XX/XXXX - I still had no response from their wire team, and asked to get the money refunded. 

XX/XX/XXXX - spoke to customer support and they said they would get back to me which they never did. 

XX/XX/XXXX - the wire team responded through my account executive that The funds have not yet returned. Beneficiary has been contacted for debit authorization. To help escalate the return of the wire, please advise the client to contact the beneficiary and request them to provide debit authority to their bank. 

This is absurd. The beneficiary never received the wire. As mentioned FRB sent me an email stating that the wire was unsuccessful ( which means they could not deliver it ). How can they ask me to get the recipient to authorize a debit for a wire that they never received and that FRB acknowledged that they never delivered? 

The money was never delivered to recipient and has not been refunded 28 days after it was debited from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
on XX/XX/XXXX, my truck was involved in a accident which totaled the truck out. 
XXXX my insurance company paid Wells Fargo XXXX and of a XXXX balance prior to the accident. I understood I needed to pay the balance and was told by the rep that I could refinance the remaining balance once the insurance company has completed the claim. 

So In XXXX I started paying on the remaining balance but not the original loan amount. I called Wells Fargo to make sure I could still refinance the balance. They informed me they changed the refinance rule and I had to pay the remaining balance in full. I explained to them that I couldn't pay the full balance and I could pay XXXX every two week. $ 200 month until the balance is paid. Wells Fargo refused my offer and stated I had to pay in full. Wells Fargo also set my account where I had to pay the balance in full. 
I continued to make payments until this action was placed on my account. Wells Fargo continue to call and harass me everyday to pay this balance in full and I tell them what I can pay, they continue to refuse. The original loan is not set to mature until XXXX. Wells Fargo did not give any credit months for the {$12000.00}, that was paid on the claim.

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 2021-05-26 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: FL

Complaint narrative:
I have sent several letters to Equifax requesting an investigation on erroneous fraudulent items being reported by their company. First letter was sent and received by them XX/XX/XXXX, Second letter XX/XX/XXXX received by them XX/XX/XXXX. Third letter was sent and it was received by them XX/XX/XXXX in which at this time I gave them 15 days to respond or delete the erroneous items. I requested investigation per my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Instead they just sent me my credit report with the erroneous fraudulent items and did not provide me with the information requested, therefore ignoring my request and violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
OnXX/XX/XXXX I opened a Chase XXXX Rewards Visa Prepaid card. My prepaid card was closed a few days later by Chase Bank. Chase supposedly issued me a refund check for a {$100.00} my initial deposit. I never received this refund check. I was suppose to get it by XX/XX/XXXX. 

I have called several times and went to the local Chase bank to resolve this issue with the banker that opened my checking account onXX/XX/XXXX. Which was also closed a few days later by chase. I was able to get my money back from the checking account. Not the prepaid XXXX reward card. 

I'm getting the run around. Calling or going inside the bank is a waste of time. I just want my refund check reissued to me again since I didn't get the first check issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
I have reached out to this company multiple times and I have yet to receive any correspondence in regards to the alleged collection account on my file. I have been able to resolve every other account, however, they will not respond to any of my debt validation request. I have reached out to them on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is the only account on my file hindering my credit growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
On XX/XX/2021, I called the Loan Star Title Loans in XXXX, TX to pay {$100.00} on an existing title loan. However, XXXX processed the payment as {$400.00} without my authorization. I called back, but XXXX refuses to provide me with her Area Manager 's phone number. XXXX can't cancel the payment either. XXXX committed fraud here, and I want justice. I can't afford groceries now that XXXX processed this payment without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 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: NY

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 deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have reached out to this company two times with a request for validation and I have yet to receive any correspondence in regards to the alleged collection account on my file. I have been able to resolve every other account, however, they will not respond to any of my debt validation requests. I have reached out to them on the following dates XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: IN

Complaint narrative:
I did not authorize nor did I give consent to the following accounts to be furnished this a violation of my consumer rights 15 usc 1681 ( a ) ( 4 ) violating my right to privacy and 15 usc 1681b ( a ) ( 2 ) and 15 usc 1681c-1 someone has acted on my behave and authorized these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/2020 my uncle had sent 3 payments to my paypal account for my XXXX and XXXX treatments. Not even 1 minute later someone withdrew these funds so I notified paypal and they quickly put the funds back into my account from their own bank. Then after putting the money into my account they blocked my account and said i was no longer able to use PayPal again and my money would be held for 180 days then released. It is past that 180 days, i have contacted Paypal several times and they just say that they have no reason why i can not access my funds because it should have been released. I have told them I am expected to XXXX  less than XXXX month due to my XXXX XXXX being to far gone and they still say no one in the company can give me reason why they havent released my funds. Its like they are just waiting for me to XXXX. I need this money to help pay for my XXXX expenses. If there was an issue from the beginning they would not have used theirXXXX XXXX to return the funds to my account so I dont understand. I have emailed and phoned PayPal several times and they will nit explain it because they all say I should have these funds. Just keep waiting they say. I do not have time to keep waiting I do not know what to do Im sorry but this is difficult enough without fighting for the money that was sent to me to help keep me XXXX a little longer. I shouldnt have to be going through this. My family cant contact them because paypal refuses to speak to them so like I said i feel like they are just waiting for me to XXXX  and that is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have made numerous attempts to resolve this issue. I have sent numerous faxes and letters in regards to this debt. I was served to state this is a debt owed yet when I contacted the owner of said debt no response. When I requested proof of said debt no response. I have left numerous messages. I have contacted the attorney of record, debt collection agency, and the original owner of said debt to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a closed student loan account over 180 days past due. I have had my student loans consolidated and they are reporting in good standing. The open consolidated student loan account ends in XXXX is in good standing. Equifax is reporting an account that ends in XXXX as currently closed but has an active date of XX/XX/XXXX but it's been closed since XX/XX/XXXX and my loans have been consolidated for over a year. There is no history of payments provided either to show I was over 180 days late. 

I have tried submitting a dispute to get the account removed and Equifax commented this account is not currently reporting on my Equifax credit file and it is. It's not been updated nor Equifax didn't investigate this. They are reporting inaccurate information because it's not showing the history of the account and it's clear the account is on my report. 

I have attached my credit report, the letter that I sent to Equifax, and their investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
I filed a prior complaint with your office # XXXX requesting my loan be moved from the XXXX XXXX IL office to the XXXX IL office which is near where I work and more convenient. You contacted Heights Finance regional supervisor and the LIED to you and to myself also and said it was all taken care of and moved!! Today I got a call from the XXXX XXXX office from the office manager and called her back and talked to XXXX as she was with someone and I asked them why they were calling me as I was told my account was moved, she said no we cant move the accounts unless you refinance in another office! Yes they can I know because I was a XXXX  at that very office in XXXX  and know they just dont want to lose the account!! Please enforce the laws and make them move it and hold them accountable for lying to two government employees!! They are absolute trash!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit

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 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have made numerous attempts to resolve this issue. I have sent numerous faxes and letters in regards to this debt. I was served to state this is a debt owed yet when I contacted the owner of said debt no response. When I requested proof of said debt no response. I have left numerous messages. I have contacted the attorney of record, debt collection agency, and the original owner of said debt to no avail.

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