vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I sent correspondence over 60 days ago and my credit account remains affected by the incorrect information being reported. I send the letter on XX/XX/2020, I feel like Im being taking advantage of and I do not appreciate it. I was also affected by the XXXX data breach which is causing problems for 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 2020-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am still showing an Account with Kohl 's which has previously been resolved. The account belonged to an ex spouse and I am not responsible. They are reporting incorrectly that I owe a balance with them. I do not owe Kohls and the balance reflected should be XXXX and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm a victim of identity thieft. I'm trying to correct the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: AL

Complaint narrative:
I disputed some transactions that were on my account and this dispute wasnt resolved it was not even explained why it wasnt resolved and went through a lot of trouble and then after they proceeded not to fix that and gave me lots of grief Ive spent probably 20+ hours on hold for this issue well I noticed that after my last call with them on the XXXX I wasnt able to view my statements any longer this went on for almost a month and I contacted them twice got hung up on and what not well then my statements came back upon available and they are not the same as my original statements their refunds that should have been refunded and what not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am still showing an Account with XXXX XXXX which has previously been resolved. The account belonged to an ex spouse and I am not responsible. They are reporting incorrectly that I owe a balance with them. I do not owe XXXX and the balance reflected should be XXXX and removed from my credit file.

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 2020-10-07 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: TX

Complaint narrative:
I am still showing an Account with XXXX XXXX which has previously been resolved. The account belonged to an ex spouse and I am not responsible. They are reporting incorrectly that I owe a balance with them. I do not owe XXXX and the balance reflected should be XXXX and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I know nothing about this company or the debt they are trying to collect on. I am requesting BOTH verification and validation. See attached. I am also requesting a copy of the original agreement between the original creditor and I as I do not think it even exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 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: MO

Complaint narrative:
I've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

XXXX. XXXX XXXX XXXX {$700.00} XXXX. XXXX XXXXXXXX XXXX  {$120.00} XXXX. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX unknown XXXX. Missouri Department of Chld Support

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 2020-10-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

XXXX. XXXXXXXX XXXX XXXX {$700.00} XXXX. XXXX XXXXXXXX XXXX  {$120.00} XXXX. XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknown XXXX. Missouri Department of Chld Support

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

1. XXXX XXXX XXXX  {$700.00} 2. XXXX XXXX XXXX  {$120.00} 3. XXXX XXXX XXXX  XXXX 4. XXXX  XXXX XXXX  XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX  XXXX unknown 7. XXXX XXXX XXXX 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 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: National Credit Systems,Inc.
State: KS

Complaint narrative:
On XX/XX/2020 I paid the balance of XXXX to national credit systems and the depute off my credit report continues to get denied I have full documents on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity thieft. I'm trying to fix the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.

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 2020-10-07 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Thank you. 

I obtained a copy of my credit profile and found an entry from Progressive Management Systems. 

I sent a letter to Progressive Management Systems asking that they verify the information they are reporting to the bureaus is correct. 

I recieved an itemization of services provided to me. 

I sent another letter asking again for validation of debt. To date, I have not recieved any further correspondance from Progressive Management Systems. I also reviewed my updated credit profile and found not only is Progressive Management Systems still reporting inaccurate information, they've increased the amount allegedly owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 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: TX

Complaint narrative:
I am a victim of identity thieft. I'm trying to fix the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I sent my account number to my account for direct deposit and my bank was on hold putting the money in the bank and made a payment of my stimulus check to a direct deposit loan on my brothers account and sent my money to some account was holding my bank on payment for a ticket I had and sent my money to a lawyer about a claim settlement while I had a XXXX  XXXX  agreement with my lawyer  and put me in a whole.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple & Goldman Sachs have failed to address their mistake that has impacted me. I followed up to dispute a transaction on my credit card. It has taken 6+ tries to get this addressed. This has been going on for months. Initially the attempts I made to follow up would eventually get disrupted by letting me know I was being transferred only to find out they were no longer transferring me. This happened 5 times in a row. I was following up consistently and this process was inefficient. When I finally thought this was addressed Apple  tried to charge me the {$300.00} transaction several months later. There was no given explanation why they moved forward with this. When I tried to follow up they said they emailed me requesting for further evidence, which I gave them on my own accord previously. They said I needed to respond to the email they sent requesting this. I asked for the date the email was sent because I received no such email. They could not provide the date. Now I'm in the process of trying to get this addressed. I asked to speak to a supervisor otherwise to get transferred to the dept. to close my account. They kept stringing me along until I said if I'm not transferred I'll take this as a threat you're holding me hostage as a customer when you can not help me nor do I want to be your customer. I was unable to close the account at this time because they are unable to address the charge that was already settled in XXXX. I informed them this was fraud that they kept trying to charge me for something that was previously addressed. I was told a supervisor would call me today at the latest XXXX XXXX. I have not received a call and have emailed Apple once again. I am unsure of how to proceed because they are passing the buck and are trying to tire me out from following through or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity thieft. I'm trying to fix the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: IA

Complaint narrative:
social security XXXX benefits deposit to my direct express mastercard once a month. XXXX 's deposit was on my card but it was locked because they suspected possible fraud suspicious acts. I didn't have a clue till i went to atm to get money to pay bills and card declined so came home looked up my account my check was deposited but my account froze. I called customer service and put on hold indefinitely meaning never got to talk to anyone for the last 4 days. I have called the bank which said call customer service i have called social security which said call customer service ive called lost or stolen card number which said call customer service. NOBODY WILL TALK TO ME!! I need my card unlocked to pay bills. They should let me deside if my card is being frauded then i will report it to them. They have no reason to assume it is and lock me out just because something looked suspicious in there eyes.They are invading my privacy by knowing when and where my card is being used that's none of their business till there is reason to. I need my goverment check to pay bills now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal put my account on limitation about 3-4 weeks ago and wanted me to provide proof of money transactions to be mine. I submitted all documents and bank statements that they asked for but they still decided to close my account and hold all my funds for 6 months. I did nothing wrong and dont deserve to be treated like this that is all the money that I have I need it back I have them what they wanted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Mailed in documentation to have Hard inquires unrelated to open accounts removed from report, Student loans are in violation of Discharged and to have the XXXX XXXX XXXX account blocked/delete from my credit report. 
In violation of State and Federal law. 

Mailing receipt : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Mailed in documentation to have Hard inquires unrelated to open accounts removed from report, Student loans are in violation of Discharged and to have the XXXX XXXX XXXX account blocked/delete from my credit report. 
In violation of State and Federal law. 

Mailing receipt : 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 2020-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Yes I already talked to someone which took XXXX hours to even get XXXX of someone but the lady said I would get reinvested my {$400.00} that got took out of my account some how when I had my card on me at all times was at work when it happened from a XXXX account bill payment when I don't even own a XXXX  and only got XXXX $ back why

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I was a victim of a data breach through my financial institution. To protect my identity they compromised, they offered me an identify monitoring solution. That service they offered I was unable to activate. The website provided did not work. I tried to contact my financial institution to receive the services they offered in respect to compromising information they leaked. My financial institution refused to assist me access the services they offered. They refused to contact me despite exposing my information. The bank felt prior communication was enough despite me having questions. They closed 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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK
State: WA

Complaint narrative:
We have attempted multiple times to talk to our Mortgage Loan Provider with the given Covid-19 situation to re-finance without fruition. They do not seem to want to assist us. 
Back in XXXX we filed for forbearance due to XXXX. After messing up and reporting us to the credit reporting agencies they fixed it and the forbearance was granted. We did not pay for XXXX, XXXX, XXXX and XX/XX/2020. We began paying again and were told that after we make XXXX payment which we have for XXXX, XXXX and XX/XX/2020 we would be able to re-finance our loan. Now that we have made 3 payments online we cant even get someone to reply to our messages or emails. This is completely ridiculous and we want a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: One Source Technology
State: DE

Complaint narrative:
They keep putting stuff on my background report that goes pass the expected time needed in order for me to obtain a job.For example my job only goes 7 years back on a background check but they put stuff on there from 15 years and 13 and 11 years back that is negative and purposely trying to hender me from receiving employment. Im ready to sue them for discrimination damages and violating my cares act rights. Its totally damaging to a persons future and its unfair to a person that has changed their life around and they bring up things not even needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Month after month I call this incompetent company to stop paper statements from being mailed to my house with no results. I have checked the option on their 1980 style website and they still send me paper statements. WHY IS THIS SO HARD?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 30 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 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: SD

Complaint narrative:
XXXX Cash App XXXX Funds of XXXX no longer exists, nor my account? Repeatedly sent email notifications on situation. Was told to open new account so they could link both accounts as long as I have all information needed. Did that and second account was also closed, whom and why I don't know? Tried for third time I've submitted my documents and information needed for them to link and resolve this matter. Was told to send it threw the app link support. Witch omg I am not going threw this again. In witch I did anyways. It's been since XXXX and still have not received or heard from anyone from the Cash App about my money!!!!

Company response to consumer: Closed with explanation