vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: CA

Complaint narrative:
XXXX XXXX appears on my XXXX report. I disputed and also sent a certified letter to the XXXX XXXX address online for validation and verification of this debt that I have no knowledge of. I requested the following from XXXX XXXX and did not receive any of the documents. 

1 ) Why the collector thinks you owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract. 

2 ) The amount and age of the debt : Ask for a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. 

3 ) Authority to collect the debt : Ask whether this agency is licensed to collect debt in your state. 

When disputed online with XXXX, they said XXXX XXXX validated debt, but where is this documentation? I have seen nothing. 

I want this removed from my credit history, which is in the 700s.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: WI

Complaint narrative:
My XXXX year old son received a physical prepaid card with his name on it unsolicited through a third party from NetSpend. The card could have been stolen through the mail and activated by someone else. Why would a company be able to provide a debit card to someone without them requesting it. The telephone system is very shady and difficult to get to speak with a live agent, who then tells you that they don't have any information supposedly ...

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
Yes so Im having a problem with two banking institutions one is XXXXXXXX XXXX and XXXX current bank also known as XXXX XXXX 1.My complaint against XXXX XXXX is that fact that on XX/XX/XXXX I was realsed from XXXX and finally was able to obtain my personal belongings when I notice I had a lot of unauthorized activity on my account so I follow the basic steps and filled a dispute I provided them documents of me being in XXXX  during the time of the activity and all the documents they ask and was denied and was told no errror after providing them documents so I had to go through the merchant that seen and found the person info that stole my information and used my funds and told me I have to go through my bank to get my money back so I try contacting them again and inform them and they said they decision is final wich isnt fair cause there banks that give u the option to re file on top of that I provided documents so how was even denied and then they just closed my account down and gave me no reason behind it and its wrong and I need help retrieving the money owed to me Which is XX/XX/XXXX in the amount of {$2000.00} 2.My complaint with XXXXXXXX XXXXXXXX is that i had an issue where someone stole my personal identity information and gain access to my account and again I did the proper thing file a dispute and provided the information as told wich I did And they promised to give my funds back and they still havent give anyyhing or help out in no way and every time I call someone doesnt know what Im talking about but they owe me 0n XX/XX/XXXX in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: FL

Complaint narrative:
On or about XX/XX/2019 I noticed multiple accounts listed in my credit file not belonging to me. Upon further research, I learned that my personal identifying information had been used without my consent to acquire credit cards, loans, and to rent apartments. I immediately notified the 3 major credit bureaus that I'm a victim of identity theft and requested that an extended fraud alert be added to my credit file. I completed an FTC Affidavit listing the accounts that were a result of the identity theft, filed a police report with my local police department, and wrote a letter to XXXX identifying the accounts that were as result of fraud. I requested that the information be immediately blocked pursuant to FCRA 605b. XXXX and Experian continues to report information to my credit file that it has knowledge of being a result of fraud and identity theft.

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 2021-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I applied and received a PPP loan through XXXX ( paypal ) of {$20000.00} on XX/XX/XXXX. I've applied for the loan forgivenss through them two times. Once in XX/XX/XXXX and Again on XX/XX/XXXX. Every time I call to follow up or login to check the status the system doesn't work. Then they don't answer. My security questions won't work. Then when I call to rectify the problem they put me on hold or transfer me from person to person causing me to be on the phone for long wait times averaging about 45 minutes per call. Then they can't answer simple questions as to when i can expect an answer from the XXXX. They tell me to complete new forms. In XX/XX/XXXX I submitted the XXXX XXXX Form. Then this XXXX they told me to fill out the XXXX Form. They can't provide me the exact dates of when the forms were submitted. I have confirmation and receipts and they refuse to email me copies. 

They seem to intentionally give me the run around and won't give me answers as to when i can expect a response. They told me today that the beginning of this year that the XXXX stopped taking applications. But yet they said to fill out the form in XXXX. Also why wasn't my original request in reviwed in XXXX of XXXX? The attachement has all the pertinent loan information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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: World Acceptance Corporation
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... WFC XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: FL

Complaint narrative:
I would like to ask you to check these accounts as information reported is incorrect. These is not a right way to report my accounts. Please make investigation and put control on bureaus that having error in reporting.

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 2021-04-28 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: FL

Complaint narrative:
I would like to ask you to check these accounts as information reported is incorrect. These is not a right way to report my accounts. Please make investigation and put control on bureaus that having error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX XXXX and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
DNF ASSOCIATES at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY ) has been calling me constantly about a collection in the amount of XXXX. The collection has been reported as charge off. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
XXXX, My Bank of America Mastercard ending in XXXX was marked for a 30 day late for XX/XX/2021. 

I called in, in XXXX, and the delinquent report was going to be removed. All 3 credit bureaus are still showing that it is there. Will you please ask update this, and ensure all three bureaus update my report showing that the XX/XX/2021 payment was current? 

If needed, they can pull the phone call. I called from XXXX, work number, the call was to ( XXXX ) XXXX, the call was on XX/XX/2021 at XXXX XXXX Central Time. It was a total of 20 min and 6 seconds long. It was recorded on their side per the representative. I cant remember the representative 's name I spoke with, but it was a woman. She waived the 30 day late on my credit after asking if we were affected by COVID-19. 

I asked about this with their XXXX customer service, and they said " its the law, '' for the reason they did not fix my credit report. 

I had just gotten off a confusing plan for payments due to COVID-19. So the 30 day issue was not due to not having the money. I wasn't clear when my payment was due. 

So the representative I spoke with was correct. She stated that I was covered under the CARES Act since I was just on their deferred program for COVID-19. 

I've sent a dispute for this with all 3 bureaus, they've declined to fix each one. 

Thank you

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 2021-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XXXX of XXXX, I used my Comenity Bank credit card at XXXX XXXXXXXX to purchase some merchandise for {$210.00}. In XX/XX/XXXX, I made payment of {$51.00}. Then, in XX/XX/XXXX, I made a payment of {$50.00}. My husband was laid off from his job, so I contacted the card company to try and make arrangements. I don't remember verbatim what was said, but essentially the company didn't care and stated that the payments were still due and would not waive any fees. I then tried my best to make payments when available and in XX/XX/XXXX, I made another {$50.00} payment. I couldn't in XXXX as he was still laid off and then in XX/XX/XXXX paid another {$37.00}. I discussed with them in XX/XX/XXXX that I had previously called and attempted to get them to work with me because the balance was still {$140.00}, after making a total of {$180.00} on an original amount borrowed of {$210.00}. I was frustrated that Comenity Bank was not willing to work with me and I gave up making payments. I understand that late fees and interest can occur, but I was attempting to work and they were not budging. Their late fees are extremely high and needless to say I won't be utilizing Comenity Bank again. In attempts to repair with them and settle, in XX/XX/XXXX I contacted them to learn they had sold my account to XXXX XXXX XXXX for {$1100.00}. I contacted XXXX XXXX XXXX and Comenity Bank at that time to again try and make payment arrangements and have them removed from my credit. I was on the phone with Comenity for a total of 2 hours, was hung up, transfered to wrong departments and everyone stated that I couldn't either file a dispute with them or speak to the office of the president because my account was sold. However, Comenity was still reporting negatively to my credit. In XX/XX/XXXX, I attempted to call XXXX XXXX XXXX and speak to my account manager XXXX XXXX. She stated she could settle for a total of {$450.00}, but could not remove anything from my credit and that I would need to speak to Comenity. I called Comenity to speak to a total of 3 people, one of which was a supervisor by the name of XXXX and he stated he couldn't do anything because he didn't have my information it was sent to XXXX XXXX XXXX. He stated that he couldn't pull up my balance or payment history or anything, yet Comenity Bank is still reporting to my credit, so they are withholding pertinent information from me. No one at XXXX XXXX XXXX, nor Comenity Bank, would give me information as to the original balance or payment information. I had to retrieve that information from my credit report. At the very least, Comenity is price gouging, not to mention their horrible lending practices. I am attempting to settle this issue and fix my credit report, but I am NOT willing to pay {$1100.00} for an amount that I owed {$23.00} left ( $ XXXX {$180.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My phone with a wallet attached on the back was lost/stolen on XX/XX/2021. Both the password for my phone and pin for my debit card are the same. There was several transactions posted that was not authorized by me. The first charge started on XX/XX/2021 for a wire payment amount of {$2000.00} via XXXXXXXX XXXX Unfortunately I wasn't able to see this initial unauthorized payment until my phone was stolen forcing me to anaylze my entire account realizing the charges might be by the same person. More transactions posted for {$2500.00} on XX/XX/2021 and {$1900.00} on XX/XX/2021 Also 4 atm {$500.00} withdrawals. I've contacted SunTrust but they have no answers for me and no resolution yet, I've now filed a complaint with CFPB and writing another letter to SunTrust now to back my claim.

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 2021-04-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I refinanced my only loan with XXXX XXXX last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXX XXXX  XXXX and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX Equifax and XXXX all three to update and close this old loan and add the new loan. They can contact XXXX XXXX to take care of this it is their job to do so! Also Equifax website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and XXXX to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
Hello - I tried to dispute the auto loan - NissanXXXX XXXX  XXXX XXXX, TX XXXX twice already due to my divorce. My name is no longer associated with this lease, yet Nissan is disagreeing. In the attached document, you can find the release from my ex-husband. To my knowledge, he no longer has this lease on his credit as he returned the car, too. This is affecting my credit, and I am not liable for this account. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Needed to get removed wrong names, addresses and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TN

Complaint narrative:
Needed to get removed wrong names, addresses and phone numbers.

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 2021-04-28 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAPITAL ONE XXXX*that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have called Equifax multiple times to get a copy of my credit report. 
I need a copy of my Equifax report to qualify for a mortgage. Equifax states they do not have credit file for me ; The last updated credit report is dated XX/XX/2020. When I look now, my entire has been erased. 
They say its a computer glitch and are not aware how they can fix it ; I only get out of the country customer representatives. 
I do not have freezes or or anything like that on my account. 
I don't know what to do. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX. I sent the equivalent of XXXX  XXXX to my partner, with whom I'm in a long-distance relationship. I chose Wise ( formerly called Transferwise ), because they promised that the transfer would happen instantly. It did not. My money is being held for " checks '' ; the company requested information about his name, date of birth, and place of residence. I forwarded the information at around XXXX on the same day. 

He still has not received the money. On the website, it says it will not happen for another four working days.

Company response to consumer: Closed with non-monetary relief