vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: LA

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with CFPB Complaint ID # XXXX In regards to Equifax allowing a deleted collection account from a year ago, to report again. I submitted police report and evidence that the account was deleted in XX/XX/XXXX. 

On XXXX XXXX, I received a letter from Equifax asking me to submit my license and a utility bill to verify my identity. That they could not find my file using the information I provided. 

HOWEVER, on XX/XX/XXXX, I uploaded my license and utility on Equifax.com to remove an address that didn't belong to me. 
I also spoke with a representative the same day and created the initial dispute for the collection account in question. 
It was at that time, that the representative stated that she " updated '' my file. 

Due to the NEGLIGENCE of Equifax representatives, who verified that they were able to view my license and utility bill that were submitted. I am being asked to repeatedly provide the same information multiple times and my issue isn't getting solved at all. 
They also do not show all relevant information pertaining me as XXXX and XXXX do. 
This is all an error on their part. They are refusing to correct the problem while stalling with asking for the same information that I have provided very recently to several representatives. 
If they do not have the proper information on my credit file, how are they " verifying " that the disputed accounts belong on my file? 
This is outrageous and not at all my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TX

Complaint narrative:
These are not my accounts, nor are these my names and addresses on file. Please remove them.

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 2020-08-07 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: TX

Complaint narrative:
These are not my accounts, nor are these my names and addresses on file. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX is not reporting on-time payments to Equifax. XXXX XXXX XXXX is only reporting past due payments in payment history. This is a FCRA violation and negatively impacts my credit score. Attached please see excerpts from Equifax credit report clearly showing only past due payments in payment history for both account XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I ordered a pool online and paid XXXX to a company named XXXX. I sent the money through paypal. The pool never came so the company sent my money back to paypal but paypal wont give it back to me. I have documents to prove everything from my reciept to the company XXXX email telling me that the money was sent to paypal and for me to contct them for my refund. Paypal has blocked me or something. I try to contact corperate but they dont return my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I received a notification of a debt on my credit file. The debt was discharged by XXXX XXXX after I filed a complaint with The Illinois Attorney General 's Office due to billing practices. The debt collection agency never attempted to contact me in order for me to dispute the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX, XXXX only reporting me late. There was definitely an error on their part.

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been able to freeze and unfreeze my Equifax reports since XXXX using a PIN that was provided by Equifax. Equifax recently changed the process where the PIN is no longer valid and I have to use MyEquifax website ( https : //my.equifax.com ). 

I created an account at MyEquifax website and I was successfully verified, but I am unable to login. When I attempted to reset my password, Equifax claimed that I have no account with them. This is the timeline of the issue : 1. Created an account with my email address and unique password at MyEquifax website 2. During the registration process, I opted to receive verification PIN via mail 3. On XX/XX/XXXX, I received the PIN and verified my account at https : //my.equifax.com/pin 4. The account is verified and I received an email from Equifax that my account is now active ( See attachment 1 ) 5. I tried to sign into MyEquifax, but received an error that my email and password combination is incorrect ( See attachment 2 ). However, I am using the SAME email and password from Step 1 above.

6. I clicked on Need Help Signing in? and entered my personal information ( SSN, DOB, Name, etc. ). 
7. Equifax claim that there is no account associated with my personal information ( SSN, DOB, Name, etc. ) ( see attachment 3 ) 8. If I try to register for a new account, Equifax then said that an account has already been created with my personal information ( see attachment 4 ) This is strange because I DO have an account at https : //my.equifax.com based on Step 1 to 4 above : * I can request a verification PIN ( Step 2 ) * The verification PIN was sent to my address ( Step 3 ) * The verification PIN and my email address was accepted ( Step 4 ) * I received a Welcome email from Equifax ( Step 4 ). 

So Equifax claimed that I do not have an account ( I do per the above ), but if I tried to register, Equifax said an account already exist. 

I have attempted to contact Equifax by sending them a letter, along with proof of my identity ( SSN and utility bill ) via USPS Priority Mail with proof of receipt. Equifax has received my letter ( according to USPS proof of receipt ) but as of today, they have not responded to me at all. 

Currently, I am LOCKED OUT by Equifax and I can not do ANYTHING with my own Equifax credit report. Equifax also has not responded to my request for help. 

Could CFPB assist me in this matter? This is a big issue for me because I can not get a loan for my daughter college tuition since ALL financial institutions are unable to access my Equifax credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I've requested a reasonable settlement offer to compensate for damages due to accounts opened by Wells Fargo reps which I did not need or want, no reasonable offer made to date. Damages include lost interest on monies unable to deposit due to information reported by Wells Fargo to consumer reporting agencies, information has prevented me from opening deposit accounts for several years now. Wells Fargo has mailed me numerous mediation request forms, six filled out to date, no reasonable offer made to compensate for damages. A mediation session was made with Wells Fargo rep, XXXX XXXX, an offer of {$300.00} presented, then increased to {$500.00}, which again does not cover damages. The mediation session appears to only cover damages by accounts themselves, not damages stemming from them. Further, prior remedy offers made including {$3700.00} by XXXX XXXX and the last offer amount of {$500.00} do not cover damages including lost interest during time period from last Wells Fargo account closed to date.. Failing to make a reasonable settlement offer, I request Wells Fargo to STOP sending mediation request forms, if not, they will be refused. Also, I request a mailing address to file a lawsuit against Wells Fargo.

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 2020-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I submitted a payment via XXXX XXXX at XXXX on XX/XX/XXXX, that was intended as a principal only payment. Santander applied {$120.00} to interest and {$270.00} to fees. I have no issue with the amount applied to interest ; however, I requested the {$270.00} to be applied to the principal balance or to the next payment but they refused. 

I am aware of the unlawful repossession fees they charged to me on the loan. I spoke with someone regarding a payment arrangement that was accepted and they repossessed the vehicle anyway. When I advised they could keep the vehicle, they gave the vehicle back for the same amount of the agreed-upon payment arrangement. This was in XXXX or XXXX and these fees have been on the account since that time and can remain there until the end of the loan. Please see the attached transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I have a loan with COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ),  XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX received a letter from Santander indicating that they did not receive my first payment. However, the payment ( s ) were sent to XXXX XXXX. It has been requested that XXXX XXXX forward the two payments, which exceeds the taxes, title, and tags as well as electronic filing fee amount ( s ) requested. The balance of approximately {$30000.00} should be paid as originally suggester by consumer, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with XXXX XXXX, US DEPT ED, and REGIONAL ACC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, US DEPT ED, and REGIONAL AC with no successful resolution.  There was definitely an error on their part.

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have a loan with XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX, DISCOVERBANK, and XXXX/XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ), DISCOVERBANK, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had a credit card with Bank of America since XXXX. Today, XX/XX/XXXX I got a letter in the mail saying my credit card since XXXX was closed on XX/XX/XXXX because I hadn't used it enough. I immediately called and the person I spoke with said that Bank of America changed the rule on XX/XX/XXXX, and no longer has to notify customers before they close accounts. I asked for when I was notified of this and the person I spoke with said I wasn't notified. The person I spoke with said that they had emailed me to tell me my card was canceled on XX/XX/XXXX. I said I am NOT signed up for ANY email notifications only postal mail.

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE, XXXX XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE, XXXX XXXX XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I have a loan with XXXX XXXX, XXXX CREDIT FKA XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ACIMA CREDIT FKA SIMPL,  and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am furious with equifax!!! I FAXED ON SEVERAL DIFFERENT DAYS MY REQUEST TO REMOVE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND THEY REFUSED TO REMOVE THOSE INQUIRIES AFTER I SUBMITTED A COPY OF MY IDENTITY THEFT REPORT WITH ALL THE INQUIRIES LISTED. THEY REJECTED MY FTC REPORT BECAUSE IT DOESNT GIVE EXACT DATE AND IT ONY SAYS THE MONTH AND THE YEAR, ITS NOT MY FAULT THAT IDENTITYTHEFT.GOV ONLY ALLOWS YOU TO ENTER THE MONTH AND THE YEAR OF INQUIRY. HOW ELSE AM ISUPPOSED TO WRITE THE EXACT DATE, AND ALSO IF I HAVE MORE THEN 5 INQUIRIES AND IT ONLY ALLOWS ME TO ENTER 5, I WROTE THE REST IN MY PERSONAL STATEMENT AS ADVISED. PLEASE HELP IN REMOVING THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND MY INFORMATION WAS STOLEN AND USED TO TRY AND INQUIRE THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
At approximately XXXX XXXX  On XX/XX/XXXX I received an alert for a {$390.00} charge on my card that I did not authorize for XXXX XXXX. Upon awakening the following morning and seeing this notification, I contacted Bank of America to dispute the charge, and a claim was opened. I received a letter from BOA dated XX/XX/XXXX stating that my claim had been resolved, and a credit was placed on my account. Over a month later, I received a letter from BOA, dated XX/XX/XXXX stating that they received documentation confirming I had received the merchandise or service from the merchant. Being that I had in fact not received any goods or service from XXXX XXXX, I called BOA on the business day after I received this letter, XX/XX/XXXX. The agent told me again that they had received proof from the vendor that I had received the merchandise, and authorized the charge. When I asked what the proof was, I was told they gave my name and address. Concerned, I asked additional questions ... stated that they needed to look at my account history, ( I have had this account since XXXX ), and insisted I did not make this purchase. No one I even know ; friends, family, and even acquaintances, have flown anywhere since the COVID pandemic started back in XXXX. I am not disputing the {$8000.00} charge I made in XXXX. That was totally a authorized charge by me, taking advantage of a great sale on a new roof for our home. I am disputing a charge of {$390.00}, for what appears to be an airline ticket, bought in the middle of a pandemic, by a family of 5 that rarely travels, let alone by air. The representative that took my call stated she would reopen my claim with all the information that I provided, and it seemed like the outcome would be favorable after our conversation. Again, I have been a card holder for over 20 years, and can not recall any previous fraud claims with them. Today I received another letter from BOA dated XX/XX/XXXX, stating their decision to decline my fraud claim stands. The merchant provided documentation confirming you received the merchandise or service. Again, I ask, what is this proof? My name and address? I can promise the proof is not an airline ticket in mine or my familys name, or any known acquaintance. This is extremely concerning to me as that information, that they claim is proof, can easily be found on any public 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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX, CNS PORT SVC, and DEPTEDXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, CNS PORT SVC, and DEPTEDXXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX, XXXX XXXX XXXX, and DEPTEDNELNET. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and DEPTEDNELNET with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation