vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 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: AR

Complaint narrative:
Credit reporting agency XXXX XXXX equifax I tryed a numbers of time to sent in information on accounts that has been paid off and for them to updated them. But it seems like they are not updating them on time. One credit BREAU saying this and another one is saying differently. they are very slow correction information I submitted. 
And dropping my scores XXXX XXXX XXXX XXXX  and go up only XXXX XXXX  XXXX XXXX but when It comes to dropping they drop bad. I have been trying to purchase a house for a year since the COVIDXXXX and as you can see CREDIT BREAUS, seems to have the final say so on all loans. So sir could you look into into this for me thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
This debt is not mine It is possibly due to identity theft. I did not apply or benefit from this loan. 


Reporting to my credit reports, attempted to dispute and they continue to verify it as mine although it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: TN

Complaint narrative:
On XX/XX/XXXX, I received an alert that a collections account from XXXX XXXX XXXX in the amount of {$860.00} had been reported on my Transunion credit report. This collections account is not mine. I have not received a bill and have never had an account with the original creditor, XXXX XXXX. I disputed it immediately. It has yet to be removed. This is an ongoing issue with Transunion. They continue to report false information on my credit report. It is extremely stressful and I have had to dispute information through their website multiple times ; I finally froze my transunion credit report a few months ago because of the numerous hard inquiries that were not mine. Im unsure at this point if this is a case of identity fraud or an identity error on their part, but it only reoccurs with my transunion account. I have spoken with transunion representatives at length, yet it still keeps happening. Additionally, they have three names listed on my report for an unknown reason, one which states my middle initial is XXXX which is incorrect. I have also disputed this and it has yet to be removed.

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 2021-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
It first started with XXXX I was selling some of my personal guns and ammunition during the last pandemic back in XXXX XXXX needed the money, and gun and ammo prices were high because of shortage.All my sales were legal and every gun was sold through an XXXX dealer as the law states and not directly to individuals. one of XXXX acceptable payments was Paypal. So i made some transactions through Paypal at the customers 's request, transactions were going smoothly at first the i receive some email from Paypal asking more details about transactions, stating that it was standard procedure because i was still a new seller, asking me about products details and tracking numbers stating that it was also to guarantee buyer 's rights. Then the surprise me with a temporary freeze of my account until i answer some of their questions and provide them with proof of sale and proof of purchase and also tracking numbers with XXXX. after my full compliant they unfroze my account and i continued selling. Until the decided to permenantly terminate my account and hold my money for 180 Day claiming to make sure no buyers complain on my products and transactions. Which no one ever did and i have a great rating on XXXX. I waited and waited, calling Paypal every now and then with no direct answers to my question of what happened to my money. 180 days minus 4 days i call and descovered that my balanced was XXXX. My balance was XXXX $ and they confiscated the whole amount. i was really struck by a lightning then. their answer was that i violated their policy term and i owed them all my balance. to begin with, i sold my personal belongings to get some financial stability during the bad times we passed through. they took all my money. Well not took but stole my money. 
Thank you for Understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A number of personal incorrect information such as Name, address, phone number, on my Credit repot

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 2021-11-07 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: VA

Complaint narrative:
A number of personal incorrect information such as Name, address, phone number, on my Credit repot

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 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
RE : Wells Fargo Misrepresentations and Regulatory E Violations for Case numbers belonging to Wells Fargo herein : Case Number ( 1 ) : XXXX, Case Number ( 2 ) : XXXX Case Number ( 3 ) : XXXX On XX/XX/2021 I filed a claim on three transactions in connection to a scam I fell for, totaling {$100.00} USD. Wells Fargo promised a resolution within 10 business days. To date, nothing received, and no resolution or any paperwork *even* *confirming* the three claims ' existence. 

I was *not* provided their promised courtesy refund of {$100.00} for being scammed. To date, *zero* conclusion to the investigation as promised, *zero* resolution to date, nor any outcome of their investigation as promised. 

To make matters worse, Wells Fargo is obstructing me from reporting these ( 3 ) transactions to XXXX because Wells Fargo is unable to provide me the required 12 characters XXXX payment ID for each XXXX Transaction as requested by XXXX Scam Reporting process I, therefore, am unable to file a scam report under XXXX : XXXX I've called Wells Fargo multiple times requesting the 12 character XXXX payment ID and they won't tell 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 2021-11-07 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: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: Colony Brands, Inc.
State: PA

Complaint narrative:
I was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/2021 Opened credit card account and made a purchase of {$120.00} in store XX/XX/2021 Made payment of {$60.00} toward the total balance in store XX/XX/2021 interest charge of {$2.00} bringing total remaining balance to {$66.00} XX/XX/2021 was charged a late fee of {$29.00}, called the company 's customer service to have it waived, customer service representative agreed over the phone ( recorded ), and paid the remaining balance of {$66.00} over the phone that was posted on XX/XX/XXXX Continued being charged interest fees and late fees for 3 months upon already paying off the total balance of the credit card. 
XX/XX/2021 interest charge of {$2.00} XX/XX/2021 late fee of {$31.00} XX/XX/2021 interest charge of {$2.00} XX/XX/2021 Late fee of {$36.00} XX/XX/2021 interest charge of {$2.00} XX/XX/2021 Late fee of {$40.00} XX/XX/2021 Finance charge of {$2.00} Total balance as of XX/XX/2021 is {$140.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

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 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I disputed this account, with macys and reported it to the CFPB this year XXXX. In retaliation XXXX has sent the account to a law firm XXXX XXXX XXXX XXXX XXXX, who is trying to collect a debit of {$4.00}, XXXX. At this point XXXX has violated all of the credit reporting laws 15 U.S. Code 1681. XXXX basically sold the fraudulent account knowing that this was not debt. 

Former report below : In XXXX XXXX XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.

Complaint narrative:
Date I pay money for recharge XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Total I pay XXXX to recharge After recharge they block my XXXX numbe. I try to contact with other number but he didn't talk to me and didn't give my recharge money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I disputed this account, with XXXX and reported it to the CFPB this year XXXX. In retaliation XXXX has sent the account to a law firm XXXX XXXX XXXX XXXX XXXX, who is trying to collect a debit of {$4.00}, XXXX. At this point XXXX has violated all of the credit reporting laws 15 U.S. Code 1681. XXXX basically sold the fraudulent account knowing that this was not debt. 

Former report below : In XXXX XXXX XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied to AMEX on XX/XX/21 and they denied my application within 30 seconds and set me a letter to my email of the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
They're trying to collect a debt I dont have a contract with them I dont agree to this debt. I never sign a contract with them. I disagree to there response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I Purchased a Printer from XXXX XXXX Via Online on XXXX PAID by WELLS FARGO XXXX Credit CARD was Completely PAID. And I received Est. XX/XX/2021 only Printer Fallowing few days Later. Received a XXXX XXXX. So I arrange a Technician to Come to my HOME office to Install for me. I was Excited with my NEW XXXX XXXXXXXX. 
Tech he did Fallowed Step by Step instruction to hock-up with Power / Computer . Before Test Print. he did assure all the Cartridges are in Place. So he Powered the Printer. First thing we heard is a High pitch Noise. And Printer did not Complete it's. Functions to Complete the it Process. So he Discover Opening the Printer Cartridge Door. One of Cartridge BLUE was Not Ejecting as it Suppose to.

I immidetly Call XXXX. XXXX XXXX XXXX number. Un-Lucy to get Connect a tecnical Support. HOLDING 20-30 Minutes. 
So I jump to XXXX. Returns Site and found out it's not that XXXX to obtain XXXX from XXXX. FIRST, We have XXXX XXXX XXXX once it submit XXXX. will Review Case by Case to authorize a XXXX. And this Process could take weeks. 
It Means just Because XXXX shipped XXXX XXXX. I have Snuffer NO Printer, NO MONEY. Wells Fargo Visa. STOP letting it Customer to File online Dispute. You are SCREWED.

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 2021-11-07 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
My student loans were rehabilitated and transferred to Navient. I believe that Navient reported my balances to credit bureaus in violation of the CARES Act. My XXXX score dropped 40 points in one day with no other notable activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : Wrong Name : XXXX XXXX  XXXX WRONG DATE OF BIRTH : XXXX  WRONG ADDRESS : XXXX XXXX XXXX  XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My loan was under XXXX where I had ZERO issues. I had requested a forbearance due to COVID. Back in XXXX of 2021, I contacted XXXX to get out of forbearance and back on paying my mortgage. I selected the option to place the amount deferred to the end of the loan. I completed all the paperwork they sent me and XXXX them back on the XXXX of XXXX. 

Days after I, received notification that Mr. Cooper was now going to be servicing the loan. I set up my online account and contacted them regarding the forbearance and when I could make my first payment. I was instructed they were honoring the paperwork from XXXX so I didn't have to worry about filing new paperwork. I went weeks before they could even tell me anything on my account with the switch. Then they tell me it will be fine and that it has been approved, yet my account still says I owe $ XXXX. My online account even says I am not allowed to make payments at this time. When I called about it two weeks ago they tell me it was sent to accounting to be paid. Still it reflect the $ XXXX balance. When I called the other day, I was told that I would have a payment until XXXX but I asked what happened to the XXXX payment the paperwork said I had to make. The guy said he saw nothing about XXXX, then he reviewed the paperwork and said oh, yeah I see it does show you are 30 days late. 

I have been calling them and being told a supervisor would call me back and nothing. They are trying to make me several months late, so it gives me more problems when trying to get back on track. As they are a debt collector as well this does not surprise me. They are trying to steal more money from me from their lack of response and work. 

No one there can tell me anything and I would prefer a different servicer on my mortgage. Mr. Cooper should lose it license to service mortgages as they lie to the customer to get them off the phone and do not return calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This company has been harassing me with threatening and demanding phone calls and Ive asked them to stop and they continue with the harassment. 
NATIONAL CREDIT ADJU Last reported XX/XX/XXXX {$430.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation