vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NJ

Complaint narrative:
sent dispute letter on XX/XX/21 to transunion sent 30 day failure to comply on XX/XX/21 to transunion

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: MS

Complaint narrative:
Once again Paypal had put another limitation on my account and I don't even use it anymore for business or anything! Every time I tried to get help on this or to find out why they no one could tell me the issues. They had lift the limitation but put it right back after a few days. I had did nothing wrong! I felt this was because of how we had to do the refunds and now it cause another limitation. But nothing was being done one this ( account : XXXX ) it was only used to for the refunds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have a Venmo account. 2 customers requested a refund and thereafter Venmo refunded them and closed my account. I was never afforded due process as Venmo refunded customers without asking my side. I have had to file a lawsuit against the 2 customers to be compensated for my work both of which are under {$75.00} each. Venmo has never asked me anything about the issue, and just closed account. This in turn violates there own policy and terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transition doesnt notify me when working on a dispute. I cant even get into 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 2021-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I was approved for deferment back in XXXX and my payments have not been applied correctly. I call every week and keep getting its in system update. They are failing to apply my funds to My account correctly. I keep getting notifications for being past due, my escrow is not being done correctly and I never get a supervisor call back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 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: CA

Complaint narrative:
I have made repeated reports to the credit reporting agencies to remove erroneous data all agencies refuse to provide 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 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank is my current mortgage company and when i applied for the loan my LTV was above 80 % so PMI have to be paid. After 1 year paying mortgage plus the increase of the property value my LTV is now around 75 %. I called consumer services they told me that a fee had to be paid to cover the due diligences they had to do, which was fair. One month later they returned the payment of the fee alleging that i had to be making payments for at least 24 month before requesting this review. 

This is totally illegal and abusive. Why should i be paying a PMI when based on the law is not required. 

Thanks

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 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have contacted this company several times to validate this debt and they have not sent me any documentation ( original contract with full social security number, date of birth, and original signature ) to verify that the debt is in fact mine. I sent the very correspondence to them via certified letter on XX/XX/2021. I sent an updated letter 30 days later to request deletion of the debt due to no response. Then I filed a complaint with the CFPB. They responded to the complaint by saying they are still working on it. It has been over 30 days so the only thing they need to work on is deleting this debt from my credit profile with all credit bureaus. As of today, I have filed a complaint with the FTC regarding the debt collection practices of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This Wells Fargo CFPB Complaint is in conjunction with Complainants : # XXXX ; @ XXXX ; # XXXX On Thursday, XX/XX/2021 @ XXXX XXXX XXXX - Consumer received a Wells Fargo Bank Phone call using an Unidentified XXXX Phone number. XXXX my XXXX could not record this incoming phone number. Consumer assumes Wells Fargo Bank had Blocked their XXXX phone number, to the Consumer, on Wells Fargo 's Recorded out going line. ) This Lady, Wells Fargo Bank Representative introduced herself with name and Title of her position to consumer ; unfortunately this phone call woke-up Consumer at such a early morning time, and can not remember XXXX 's identity information. How ever She assured me that she would be working on four of my Complaints. She asked me for the Wells Fargo 's complete bank Accounts I had. T stated U did not know. She asked for the last 4 numbers of my SSA number, I told her. 

I asked her why she did not go through the CFPB 's Consumer 's Portal. and Why the 3rd party involved with this matter, was not responding to this matter. She asked me " What 3rd party? '' " The party that issues the refund checks. '' She asked " Why is it so important to go through the CFPB portal to communicate? '' I stated other merchants did go off the grid and later I found out these other entities has something to hide. " Because I received 2 letters from them. She assured me she was that person. Then my cell phone went dead. She did have my email address but did not send email to continue communication efforts. 

To XXXX XXXX. Exec. Office Case Specialist of the XXXX XXXX XXXX XXXX. At the bottom of XXXX letters signed by you states : a particle statement : " We will communicate with the appropriate parties going forward. '' Please inform Wells Fargo that fact, because This Lady just stole your Identity, by posturing to me that she is XXXX, and XXXX she did not even know this companies name nor the involvement with Wells Fargo XXXX the Wells Fargo 's bank account numbers! 

The Consumers DO NOT WORK FOR WELLS FARGO NOR KEEP WELLS FARGO ACCOUNT RECORDS! AND MANY BUSINESS ENITIES CROSS FILE BY USING OTHER PEOPLE 'S CONFIDENTICAL SSA NUMBERS AND THAT TOO IS IDENTITIY THEFT! 

WELLS FARGO 'S HARRASSMENT TO CONSUMER 'S TO FULL FILL WELLS FARGO 'S EMPLOYEE 'S JOB DUTIES IS WORTH TO THIS CONSUMER 'S $ XXXX COMPENSATION FOR MY LABOR TIME INCLUDING PUTTING UP WITH WELLS FARGO 'S INTOLERABLE VERBAL INSULTS OF MY CONSUMER 'S TIME ONLY BEING WORTH XXXX CENTS! 

NO MORE SCAMMING, LIEING ON MY PHONE! STOP PHONING 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 non-monetary relief
Consumer complaint received 2021-07-08 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: TX

Complaint narrative:
Equifax has violated the Fair Debt Of Collection Practice I have sent a dispute regarding account XXXX  that was not my debt, I sent Equifax a letter on On XX/XX/2021 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. on XXXX XX/XX/2021 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2021. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. On XX/XX/XXXX I sent certified letter requesting method of verification. It has been ignored I have not received any letters for investigation. I spokewith XXXX customer service ID XXXX on XXXX XXXX she implied there is no letters the have received and ignored it I have sent it certified US. Mail it will be attached in the documents. It has been 30 days and I have not received any correspondence from Equifax violating FDCP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: The Outsource Group, Inc
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TN

Complaint narrative:
I have sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, XXXX 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 2021-07-08 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: TN

Complaint narrative:
I have sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, XXXX 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 non-monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2021 checked my card statement online and noticed a fraudulent transaction was made on XX/XX/2021 in the amount of {$1600.00} at a store in XXXX, Massachusetts. I live in XXXX, Pennsylvania. Only 1 card has ever been issued to me and my profile setup has always given me an emailed receipt of all purchases. I called and reported this unauthorized charge on XX/XX/2021 and assumed that an investigation was initiated. They sent me a new card with a new account number and transferred the {$1600.00} to my account ; this making my limit over by {$500.00}. XX/XX/2021, I called back to follow up because the charge was still there but was told that I reported the card as lost and no inquiry was done. This in no way s true because I live in Pennsylvania not Massachusetts and also I called about an unauthorized purchase not a lost card. I am a senior citizen on a fixed income and this is not at all acceptable. As a consumer, I expected this to be resolved when I initially called in to make this organization aware of this issue,

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