vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have had accounts with PayPal for many years, they decided for security reasons to close my accounts. I had XXXX accounts at the time and have received refunds for the XXXX other accounts but the XXXX account they are refusing to refund. I was advised they needed me to wait XXXX  days to make sure no claims were lodged against that money. It has now been more than 18 months and they are refusing to refund and refusing to return my calls. I have spoken with several customer service representatives and they start a ticket to escalate the issue and I never hear from PayPal and in the meantime they are holding {$1800.00} of my funds that I would very much like refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
There are persistent issues with this bank, Cornerstone Home Lending. Ever since I closed my house this with this company it has been unable to accurately escrow my account or pay taxes on time. For XXXX, I got legal notices saying i needed to pay my taxes becasuse this bank did not pay them. I had to submit a request for them to pay them and they did so late, paying late penalty fees. Again, they inappropriately applied my homestead exemption when calculating these and most recently, the real issue, is that they have misrecorded my XXXX taxes which has affected the affordability of my monthly payment. I owe school taxes to XXXX County ( {$3800.00} ) and real estate taxes to XXXX County ( {$2700.00} ). For XXXX, they combined these payments into their system and just called them " XXXX County '' taxes and it shows the combined total amount of taxes paid but, solely for XXXX County. For XXXX, they now assess my total annual taxes for XXXX based on this incorrect figure and then on top, applied my insurance and XXXX County taxes. This in turn has raised our monthly payments by over {$400.00} a month and we are in danger of foreclosing on our account if not immediately fixed. I've asked this bank to fix and they said they already did the assessment in XXXX of XXXX and can not help. I have to resort to CFPB to fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-12-01 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
While looking over my credit report I have XXXX collection accounts as follows 1. XXXX account number # XXXX 2. National Credit  account number # XXXX 3. NCA Credit account number # XXXX I contacted the first one XXXX and they tell me they are only the bank and have nothing to do with reporting to the credit bureaus, even though they are listed on my credit report. They told me to call XXXX XXXX  because they are the ones who own all THREE of these SAME accounts, keep in mind this negative account is reporting 3 times on my credit report, it's all the same account, this is a clear violation. After calling XXXX XXXX they tell me they have no information on this account because it was sold to XXXX XXXX XXXX XXXX XXXX whom once again are not listed on my credit report. I called this company XXXX and they don't answer their phone and DO NOT return my calls/messages. I have written letters to all three credit bureaus as well disputing this account reported 3 times and they did not help either. my goal is to have these 3 eroniuos and violations removed at once, before filing a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: IL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made an {$20.00} ATM deposit on the night of XX/XX/17 at TD Bank XXXX XXXX XXXX, XXXX, NY XXXX. They are reporting the deposit was made on the XXXX and I have yet to have access to my money. I also haven't been able to open an online profile to see my account because they are forcing me to call and have someone do it for me with no explanation why I can't do it myself to protect my personal info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I saw in my XXXX credit report that someone had opened a Wells Fargo account in my name. I immediately contacted Wells Fargo directly. They informed me that someone had indeed opened an account in my name. I asked them to close the account and assumed the issues was settled. 

I then received a statement about my open account. I called Wells Fargo again and asked that they close the account. They said they were working on an investigation. 

I then received a letter telling me that they can't close the account because I have a credit block in effect ( which I put into effect because of my issue with Wells Fargo ). They also said that any checks written on the account would be paid but I would be charged fees if there was insufficient funds. 

I called Wells Fargo again and they put me on infinite hold on the phone. At this point, I believe they must have started up their commission program of incentivizing their employees to open fraudulent accounts that they were convicted of previously. 

Can you help?

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 2021-12-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation
State: TX

Complaint narrative:
To Whom It May Concern : I XXXX XXXX recently made a requested to Regional finance for a debt validation for a account that is reporting on my XXXX, As a charge off account on XX/XX/2021. Regional Finance sent me back a contract on XX/XX/2021. I do not recognize the amount, account number or the address in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: IL

Complaint narrative:
I sent out a formal complaint letter on XX/XX/2021 about removing inaccurate information from my credit report. It has been 30 days since I sent in the letter and I've yet to receive any update from them. Please let them know I take this matter seriously and I need an update on my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: MI

Complaint narrative:
I sent numerous letters to Experian regarding collections listed below for verification of these unknown collections. I have not received any confirmation that these collections are in fact mines. It has been pass 30 days allowed by the FCRA. I also sent in a FTC report regarding these collections as im not aware of these items.

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 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: IL

Complaint narrative:
I sent out a formal complaint letter on XXXX XXXX,XX/XX/XXXX about removing inaccurate information from my credit report. It has been 30 days since I sent in the letter and I've yet to receive any update from them. Please let them know I take this matter seriously and I need an update on my credit report. 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 non-monetary relief
Consumer complaint received 2021-12-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent out a formal complaint letter on XX/XX/ XX/XX/XXXX about removing inaccurate information from my credit report. It has been 30 days since I sent in the letter and I've yet to receive any update from them. Please let them know I take this matter seriously and I need an update on my credit report. 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 non-monetary relief
Consumer complaint received 2021-12-01 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: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: IL

Complaint narrative:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America is holding an account in my name that does not belong to me holding me liable to pay. This is not my account, I have called the business directly several time and the credit bureaus. I am a victim of identity theft and I have been involved in over 5 security breaches over the last 6 to 7 years. I really wanted an opportunity to do business with this company and can not because the opportunity was taken from me before I had the chance. I have begged and pleaded to get this false reporting removed and it have not been resolved yet. This is not good practice for business and this is stripping me away from my rights. It is also against the law. I explained to them this person had numerous of things in my name, bank accounts, secured and unsecured cards, jobs and unemployment in my name and the representative from Bank of America quoted unfortunately its easier for someone to use your information then you to get the false reporting off. That should not be citizens hard truth. I want this account immediately removed. The account is {$330.00}. It is not a lot of money and again I am not paying for something I did not do. I am in route to be getting a credit lawyer involved if this cant be resolved. I have given them my current address for a fraud packet and I have received nothing. Please remove this off of 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 2021-12-01 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: DE

Complaint narrative:
15 US 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that consumer Identifies as information resulted from an alleged Identity theft, nor later than four business days after the date of receipt. These accounts should not be furnished on consumer report as they are in violation. Under 15 US code 1681b Permissible purposes of consumer reports. any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency consent to furnish anything on my reports. There for this is identity theft. I ask that these items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: DE

Complaint narrative:
15 US 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that consumer Identifies as information resulted from an alleged Identity theft, nor later than four business days after the date of receipt. These accounts should not be furnished on consumer report as they are in violation. Under 15 US code 1681b Permissible purposes of consumer reports. any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency consent to furnish anything on my reports. There for this is identity theft. I ask that these items be deleted immediately.

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