vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing on 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 2021-04-12 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: DISCOVER BANK
State: AL

Complaint narrative:
This account DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a XXXX to fix it! I did make an FTC report and police report and ID theft. and still no resulution from XXXX and XXXX even 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 non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a year to fix it! I did make an FTC report and police report and ID theft. and still no resulution from XXXX XXXXnd Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The balance on my home loan was paid off and the funds was wired on XX/XX/21. I haven't received a " satisfaction '' of my mortgage being paid off and show it's been recorded from the mortgagee. I have called several times and either it has been sent out and they will resend it. Now that rates are low, I would like to get new loan, but can't do until this is resolved! I've had issues with these people before regarding the escrow account with this loan. It seems it goes to deaf ears. Now that the mortgage has been paid off, it's happening all over again. I have been calling Shellpoint every month for the past year regarding their accounting being incorrect which backup copies from the county tax assessor 's office have been verified and sent from the county tax assessor 's office. The worst experience I've ever had with a loan service. Hence, the reason to pay them off! I've had it with them!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: AL

Complaint narrative:
This account 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 2021-04-12 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: AL

Complaint narrative:
This account DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: AL

Complaint narrative:
This account 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 2021-04-12 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: WA

Complaint narrative:
Paypal says told me they can not do business with me anymore and the balance on my account will be on hold for 180 days, then I can withdraw the paypal balance. However, I saw the money on my account disappeared, in the recent activity, there is a transaction done by paypal without my authorization, on XXXX  XXXX, 2021, XXXXUSD was transferred to paypal XXXX saying about some damages caused, while they can not explain that to me when I called. paypal took the money from me and I do not have any idea about this transaction. Why they took the money from me? I was trying to reach them for help, but they can not support me. Thats why I decided to file a report here and I wish I can get the money back. The email linke to my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: PA

Complaint narrative:
I was trying to file a dispute with Experian because they have 2 incorrect addresses for me, as well as a spouse whom I've been divorced from for 25 years and who died 4 years ago. 

I could not get through the online process at all. Wasn't able to set up the account - had to try a couple of times. Then had to upload Identity verifying documents. So got those together and added them to upload and got an error message that the online page was not working and I'd have to mail the documents in. 

This seems like a ridiculously difficult process to correct my information. It should not be this difficult and take this much time. I honestly think they want me to sign up for their emails, etc. All I wanted to do was sign up to dispute.

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 2021-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc.
State: GA

Complaint narrative:
After paying my Self account on the XXXX of last month ; XX/XX/XXXX Self Lender fails to update to the credit bureaus showing an updated score and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: FL

Complaint narrative:
Paypal closed my account for no reason and wish not help me to get it back, I thought that was a mistake, but I can not do anything about it. Anyway, I can not get help from them, and I was informed that I can withdraw the balance after 180days. However, I noticed the total amount of $ 8,623.39USD has been taken by Paypal from my account on XX/XX/2020. I was trying to get help from them, but they told me they can not tell me too many details about that. I feel like I can get help from CFPB, so I file a report here. I think you can handle this for me properly. I used paypal frequently, the only thing I want to do now is to get the money back from paypal to my account, and withdraw the balance. The email used for my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have sent 2 letters to this company asking for verification of debt. It has been over a month since my first communication. First letter was sent on XX/XX/2021. Second letter was sent on XX/XX/2021. I have yet to receive any response in accordance to what I owe and verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MD

Complaint narrative:
I have tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX Bank, XXXX XXXX Bank, XXXX Bank XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I got sick with XXXX XXXXXXXX and ended up in the hospital and almost XXXX So my XXXX and XXXX car payments were late. I got them caught up as soon as I was out of the hospital and better. I called Ally Financial 3 months ago asking them to please remove the late payment from my credit report. They said theyd put in a request but Ive never heard back and Ive called but nothing. I disputed with XXXX but Ally didnt do anything to help. Other then these 2 payments Ive not been late. I dont think a little compassion in the middle of a world wide pandemic is too much to ask especially since it almost cost me my life.

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 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
In XXXX of 2021 I noticed a delinquent account on my credit report from a company named Capital Accounts and it says original creditors name is XXXX XXXX  XXXX. The amount owed says {$1200.00}. On XX/XX/2021 I wrote them a letter asking to validate the debt and show me some documentation bearing my signature that I owed them a debt. They responded with a letter saying that " Enclosed is the itemization you requested. This account has accrued {$350.00} in back interest and monthly interest for a total balance of {$1200.00}. '' The back page was blank and no itemization or documentation bearing my signature was included in the letter. I wrote them back on XX/XX/2021 as a goodwill to try and obtain the information I was requesting. They responded with another letter stating the itemization I requested was enclosed and I now owed 1251.02 but the page was blank. In another claim # XXXX, this company sent me a copy of my personal protected health information including procedures I may have received and is in violation of HIPPA laws as I never provided this information to them. They also have not given me the requested information of any document bearing my signature stating we have contracted and I owe them a debt.

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 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: CA

Complaint narrative:
Paypal closed my account for no reason one day and wont help me to get it back, I am losing hope from them, because that payment is really important for me and my family, especially during the covid-19, as we can not work and still need to pay bills. Paypal told me I can withdraw the balance after 180days. But I noticed a total amount of $ 8,357.49USD ( through two separate transfer to paypal XXXX 7969.63usd on XX/XX/2020, and the other amount of XXXXthe same day ) has been taken by Paypal from my account on XX/XX/2020. I was trying to get help from them but they can not provide any useful information to me about this. So I file a report to CFPB and wish to get this issue resolved, the email I used for my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MD

Complaint narrative:
I have tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items 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 2021-04-12 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: MD

Complaint narrative:
I have tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items 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 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Account was closed in XXXX of 2020. I had no knowledge of this account being opened and it was not mine. They closed account but they continue to call me and try to raise the amount of collection on closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I believe my interest rate is extremely high because of my race

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2021, I deposited my stimulus check into my checking account. The machine took my check and did not credit it to my account. Instead I received a receipt with a number to contact customer service. I called and a claim was filed and I was told the error would be resolved in 12 hours. Subsequently, I called the next morning as 12 hours had passed and was now told it would be 1-2 business days. The next day I receive a text message and notice in my mobile account requesting additional information. Therefore, I sent a copy of the receipt. I called back and now Im told it will take 10 days. Im appalled that in XX/XX/2021 it would take this long to resolve this issue. Undoubtedly we are referring to a check from the US government and it would take way longer to request another payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received an email from XXXX XXXX from XXXX XXXX and XXXX that my credit report changed because I closely monitor it. A collection account was added to my account and I do not know what it is. I never received anything about the collection in the mail, nor did I receive a right to dispute or anything about the collection. When I logged into my XXXX account my Social Security number was showing incorrect. I have filed a dispute on that and the collection that is not mine and was never informed in any way about this being added to my credit report or the right to dispute it. I have NO CONTRACT with Jefferson Capital Syst. I did not open any accounts in XXXX 2021 in my name. Verification was never sent to me regarding this collection added to my credit report. I have no idea who Jefferson Capital SYST is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: AZ

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation