vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: NC

Complaint narrative:
Equifax report as of today reporting XXXX XXXX account is closed with a {$0.00} balance. Yet it says original creditor is a company by the name of XXXX. I have never signed any contract at anytime with a company by the name of XXXX and so I know they can not present an original contract or verification of debt from that company. Therefore, for XXXX XXXX to present a debt not owed by me from the original creditor XXXX, XXXX XXXX reporting I owe a debt they assumed from XXXX is impossible and so is clear contract fraud, consumer fraud, and a clear attempt at extortion through CRA reporting manipulation. Violations of the FCRA, FTC, and SEC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: CO

Complaint narrative:
Payment in amount of XXXX on XX/XX/2020 at XXXX made to company, reference # XXXX. Bank statement reflects payment of XXXX processed on XX/XX/2020. Company refuses to remove this from credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: CA

Complaint narrative:
Incorrect reporting, Not correct social security number, with this Capital One reporting. The other credit Bureaus have been informed and removed the reporting yet XXXX  still remains as negative, false and wring information Capital One debt, is not associated with this Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: OneMain Finance Corporation
State: NC

Complaint narrative:
XXXX  report as of today reporting Springleaf Financial account is closed with a {$0.00} balance. Yet it says original creditor is a company by the name of XXXX. I have never signed any contract at anytime with a company by the name of XXXX and so I know they can not present an original contract or verification of debt from that company. Therefore, for Springleaf Financial to present a debt not owed by me from the original creditor XXXX, Springleaf Financial reporting I owe a debt they assumed from XXXX is impossible and so is clear contract fraud, consumer fraud, and a clear attempt at extortion through CRA reporting manipulation. Violations of the FCRA, FTC, and SEC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In correct payment history.

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 2020-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I applied for three products, at the same time. It is a requirement listed in the account agreement that an interested applicant must be a member in order to be eligible to apply for any other products or services. This fact is pretty consistent in the banking and credit union arena, but what isn't commonplace ( as far as im able to conceptualize ) is why a savings account would be declined based on credit factors, when there are no credit or even debit capabilities other than overdraft protection for a linked checking account. Further, I was interested in applying for a XXXX  checking account, but since that requires an in person application process I began with a free checking account application, along with my initial reason for my visit of an auto loan, as well as the aforementioned savings account. The adverse action notice was written as though my application was for an auto loan and savings, and was declined for both products, which is fine. My concern isn't that i am being denied financial products, the financial industry is designed to make it very difficult for people with less than desirable credit profiles to secure anything worthy of being called credit, that is nothing new for me, going on 8 years of denial notices already in my attempt to climb back up. My concern lies here : What happened to my Checking account application? There is no mention of or inkling showing any sign that I even applied, but I definitely did, because ( as per the terms of the credit unions requirements for membership ), it was required in order for me to apply for an auto loan. Were the documents ignored, or misplaced? Either way I feel taken aback, confused about the adverse action notice for a savings account, and concerned that my personal information was misplaced, hacked, stolen, or deleted without my knowledge.

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 2020-06-25 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: CA

Complaint narrative:
In correct payment history.

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 2020-06-25 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: IL

Complaint narrative:
I have a complaint against Experian for failing to investigate information being reported that is inaccurate and does not belong to me. 
According to 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( A ) of the FCRA - you are required to ... ... promptly Delete all information which can not be verified. 

I am exercising my right under FCRA to request verification and tangible proof of the accounts that are being negatively reported. I have requested this information for the following accounts. 
XXXX XXXX XXXX XXXX XXXX I have made several attempts to receive this information and 2 years later it is still being reported. I am requesting Experian follow the law and provide me with this information or update my credit report and remove the inaccurate and negative accounts that does not belong to me from my credit report. My next step is to get a lawyer to continue this fight for me. This is terrible that Experian continues to treat consumers this way. They refuse to investigate information, even though they will come back 30 days later and state the information has been verified without sending consumers proof of this information.

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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank has decreased my credit limit from XXXX to the balance on the card. The company action is unacceptable and has caused me hardship on my overall financial situation. My credit score dropped from XXXX to XXXX because of citi bank action. I never been late or ever missed single payment. I use my card responsibly and keep my balance down nothing more than 50 % of my credit limit. 
Called citi bank and customer service said cant help. 
My credit score is bad now and I hold the bank responsible for that. The bank action was during the time of the pandemic and they have the right to take this action but there was no reason to hurt my credit that bad to consumer that never had any problem whatsoever with citi bank.

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 2020-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC
State: CA

Complaint narrative:
This account is paid in full. It is not charged off, and needs to reflect this. They contacted my employer and served papers at my employment. I called prior and told them i would pay off the loan and did just that. 

They were told not to contact my employer but did anyway. They sent mail after mail and had someone actually show up and act like I was a bad person saying I was late on my bills. 

Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The account is paid in full. States closed but has a balance of the amount of my last payment. Please remove any balance and put it at XXXX Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My complaint is about Wells Fargo account which is fraudulent account in my credit report already 2 years, and I'm disputing this account 2 years, nothing changes I call to XXXX, explain them what happend, Also did priority mail to Wells Fargo, requested documentation how they verify this account. Anyway I don't get any respond from bureau and from Wells fargo, They verify account anyway, without sending me proof. I'm thinking that my rights have been violated and looking for your help, Need to say that I don't have any negative account in my credit profile, Only this account some how added to my credit report. I think you guys have power and you can solve this problem for me. 
Appreciated for your business ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2020, I tried to transfer an amount of USD to my bank account from my PayPal account, and the transaction amount returned to my PayPal account About two days later, I received notification that my transfer had been denied, and my bank account deleted from PayPal. No explanation as to why. Moreover, I have used this bank account before for identical transactions without a problem. 

I contacted the customer service shortly after ( I can not remember the exact date ), where I had online contact with a PayPal customer service assistant, XXXX XXXX, who eventually told me my bank account had been blacklisted by PayPal 's security unit. Again, no explanation as to why. My request for further contact with and action from the assistant has been ignored. 

On XX/XX/2020, I tried to transfer the amount to my wife 's bank account ( same bank ), which has likewise been denied. After the denial of my first transfer, I contacted my bank to enquire about possible reasons. They professed ignorance as to the reason for denial. The bank confirmed that all my information was correct with no irregularities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/20 I received an email from Citibank that they lowered my credit limit due to " information obtained from my credit report ''. Nothing had changed on my credit report aside from a mortgage refinance. I was paying down my credit cards, I have never had a payment more than 30 days late and the only time recently my credit was ran was for the mortgage. 

I did make my XXXX payment a few days past the due date on my statement due to the timing of when I get paid from my work. My wife is currently out of work. 

This is the second time in less than 5 months that Citibank has lowered my credit limit to just a couple of hundred dollars above what I owed. the first reduction that happened in XXXX significantly lowered my limit. 

The scenario to my understanding was related to my auto payment from my bank account being {$15.00} less than the minimum. The difference was made up before the payment would be considered 30 days late. 

This has significantly impacted my credit score as it reduced my available credit to used credit ratio. 

When I reached out to Citibank they said I could dispute with the credit bureau and there was nothing they could do.

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 2020-06-25 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: Trident Asset Management, L.L.C.
State: MO

Complaint narrative:
Trident Asset Management, a collection agency for XXXX XXXX is reporting a debt on my credit report for a credit card that I never used, applied for, nor have no knowledge of. Ive tried disputing it on my credit report but they report that the debt is accurate. I also tried calling the collection agency and they have basically told me to jump through hoops to get it removed. This is very stressful. I just want the debt removed. I dont have a credit card with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
I mailed in a letter to close my account. They never Received it due to that only being a payment address. I only found that out when my credit monitoring alerted me an account went 30 days late and I contacted them. The rep told me he could close the account because the amount showing due were fees only, not an actual balance. I explained to him I was affected by COVID-19, he spoke with supervisor whom instructed him to transfer me to credit protection. I told him I never received any late notices or phone calls trying to try to collect so I assumed the account did close from the letter I had mailed. I spoke with a lady and she assured me due to my circumstances that my credit reporting would be corrected meaning removing the delinquent status that reduced my credit by 53 points. The credit protection is in place now however its still reporting 30 days late on my credit. I have disputed this with XXXX but they continue to report information is accurate. It is not! I want this delinquent status removed off my credit files. I have NEVER been late with this company in YEARS that Ive had the account. The reps that I spoke with at the company agreed and said it would be removed as delinquent.

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 2020-06-25 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: MO

Complaint narrative:
XXXX XXXX XXXX, a collection agency for XXXX XXXX is reporting a debt on my credit report for a credit card that I never used, applied for, nor have no knowledge of. Ive tried disputing it on my credit report but they report that the debt is accurate. I also tried calling the collection agency and they have basically told me to jump through hoops to get it removed. This is very stressful. I just want the debt removed. I dont have a credit card with their company.

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 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MO

Complaint narrative:
An unauthorized charged to XXXX for {$34.00}, and now my account is still is negative XXXX when I put {$20.00} in my back account on XX/XX/20 at XXXX when it showed XXXX negative. I submitted fraud when I say the account negative. I reported to XXXX than spoke with another rep XXXX that works in fraud department. I do not have any business with XXXX  the only and I do not use the account for anything but to deposit cashier check to pay my mortgage I have never made any transactions with my debit card but one to use the ATM for XXXX I think a representative at U.S Bank gave information to XXXX. Can please looked at this.

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 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp
State: KY

Complaint narrative:
Loan estimate was on XX/XX/XXXX XXXX closing - went to XXXX, lender said it was fixed back down to XXXX Payment per month went from XX/XX/XXXX XXXX estimate to XX/XX/XXXX XXXX in pre closure document but now on CD its XX/XX/XXXX. XXXX, this is the 3rd CD I got in a day. First was XXXX a month! XXXX more a month wow. Now lender is saying PMI because of income to debt ratio. Which he had me get a car loan out of my name to get me where I needed and now this. Did that for nothing Companies are union home mortgages and the lender is XXXX XXXX for XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I XXXX XXXX XXXX opened up the account in XX/XX/2020 and they sent me a Statement with my Routing number and checking account number and member number, and they still have my account on hold and my money is from : Social Security Administration, Retirement XXXX Insurance I won a Lawsuit in Indiana.And Pentagon Federal Credit Union has frozen my Account and I have not received my money for XXXX XXXX because Pentagon Federal Credit Union has a hold for no reason

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 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC made a change that prevents XXXX service from connecting. This resulting in being unable to use XXXX  as a roundup service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I checked my credit recently and saw charges from Navy Federal. I called the police they instructed me to file a report with them, then go to FTC.gov and file a identity theft report. I filed the report has instructed by the police. After I filed the report it was taken off my credit then I started receiving letters saying they investigated and reviewed its me. The address that was stated where the card was applied for was a address in have never gotten mail from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA is refusing to close out a joint checking account that I have with my ex girlfriend listed as a secondary. There are no fees associated with the account, no automatic payments, no overdraft protection, no balance, and no recent activity on the account. The representatives have only given me the reason that they want to talk to her about " another bank matter ''. This stands in violation of the Depository Agreement. I have a chat transcript with a representative for USAA indicating that they are not willing to close the account on this basis and that the account has been cleared for closure in all other regards, " With my report made, and having qualified the account for closure. Was there anything else I may look into for you today, Mr . *****? ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation