vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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: CA

Complaint narrative:
On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main XXXX account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by XXXX until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted XXXX and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided XXXX, Experian and XXXX all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.

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 2020-08-17 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: Early Warning Services, LLC
State: MN

Complaint narrative:
I applied to open up a checking account with XXXX XXXX ID : XXXX, and was denied by Early Warning Services , LLC. I shouldnt have any adverse information on my consumer report with Early Warning Services. Early Warning Services is reporting inaccurate information on my credit report, and I am not able to open up a checking account. I have sent numerous letters to Early Warning Services in regards to this matter, and hasnt received any response from Early Warning Services. Early Warning Services is  using racist and discriminatory practices against me due to me being XXXX ( XXXX ). Its unlawful for Early Warning Services to be using discriminatory practices against me and reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My unemplyment was deposited with Paypal because I dont have an account. They are holding my funds even after I sent everything they've asked for. They say it'll remain on hold for 180 days. I've sent them more than enough to verify my identity and now they've stopped responding to me. This is very much illegal. My children are suffering thanks to them. I have no means to pay anything and I've told them so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: HI

Complaint narrative:
In was in process of selling home so the initial ach did not go through when initiated. I have tried multiple times per their emails to pay online. However the online platform WILL NOT ALLOW PAYMENT. It has processed subsequent payments but precludes me from paying online via the website. I don't see how they can force you to sit on hold for an hour and a half to try and pay something that you are told in writing can be done online. I even sent a final email to XXXX XXXX telling her the platform will not allow payment and I have yet tpo receive a response. Rather they prefer to retaliate by reporting me as being late simply for not going through and overtly burdensome process to almost seemingly discourage payment in order to report a consumer late simply to penalize me since this is such a burdensome process getting things corrected with these criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
Absolute Recovery XXXX, tn my car was vandalized an there was Gang members across the street Terrorizing us so I call the police and a police report me two weeks later nothing resolved so I took my family out of the apartment and left he gave the keys back to the apartment complex they told me it was a safe area and it was not I have health problems and on XXXX. Amount of {$1200.00} we left the apartment in good condition and we paid last months rent so I dont know where they came up with this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am not able to open up a checking account. I have went to several different banks to open up a checking account and my request was denied due to adverse and negative information on my Chex Systems Consumer Report ID : XXXX, I have sent numerous complaints to CFPB in regards to Chex System reporting inaccurate information on my consumer report. Chex Systems has responded to me informing theres nothing adverse reporting on my consumer report, yet Im steady being denied to open up a checking account due to adverse information on my consumer report. I feel Chex Systems is using discriminatory practices against me which is unlawful.

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 2020-08-17 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: V.I.P. MORTGAGE, INC.
State: AZ

Complaint narrative:
Vip mortgage XXXX Arizona is denying a mother who is XXXX XXXX and her children who are XXXX   XXXX a loan. They are stating the mother can't use her childrens awards letters as household income because she isn't the payee yet the children are her kin and the children are drawing from her social security. They all curently and have always lived in the same household. The mother is the primary caretaker. The father who would not be on the loan who is the PAYEE for all three and has no income due to fmla leave because of covid was told he has to be on the loan. Social security states a payee should not be on the loan even but vip mortgage in XXXX states i have to be. Social security specifies that a payee can use funds for the recipients to have a mortage. I belive they are looking at abilty to sell the loan later and denying it because it is an all social security. The mother has an 800 plus credit score, 25 % down, reserves, and no debt with a debt to income below 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not 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 2020-08-17 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: TN

Complaint narrative:
CHECKED MY CREDIT REPORT THEN NOTICE THAT ACCOUNTS WAS OPEN IN MY NAME THAT I NEVER KNEW ABOUT IM TRYING TO BUY A HOME AND THESE ACCOUNTS ARE STOPPING ME FROM HAVING A GREAT RATE WITH MY CREDIT UNION HOW CAN SOMEONE USE MY INFO WITHOUT ME KNOWING THIS IS CRAZY.

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 2020-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
I was struggling already by the end of XXXX with Covid-19 setting in across the world. In order to pay off some debt until my income tax check arrived, I accepted an installment loan from Speedy Cash for {$680.00}. I made sure that I could pay the loan off early once I had the available funds and avoid the ridiculously high apr. If not, I would pay back nearly {$1500.00} for a {$680.00} loan! I made a very single payment up until XX/XX/XXXX when I used a balance transfer offer on my new XXXX XXXX to pay off the balance. The payoff amount was listed my main account page, the only amount other than payment due listed in the very limited information about my loan available online. The transfer showed it had finalized on XXXX but speedy cash contacted me saying my installment was in default. I emailed them back notifying them I not only had made the payment but that I had paid my loan off in full and submitted picture proof of the transaction. The confirmed receipt of the funds a few days later. Well now they have resumed debiting my bank account and show that Im behind several payments and my new payoff amount is over {$300.00}!!! How can I still owe on a {$680.00} loan when I made every payment + a lump {$520.00} payoff amount back in XXXX. I had paid them {$1000.00} as of XX/XX/XXXX while I only owed {$650.00}. Why wasnt my loan paid off? And how in the world do I still owe over {$300.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have a loan with DEPT OF ED/NAVIENT. 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, DEPT OF ED/NAVIENT and XXXX XXXXXXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 90 days late ( XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX  XXXX XXXX XXXX   N with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not 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 2020-08-17 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:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a loan with WELLS FARGO BANK. 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, WELLS FARGO BANK with no successful resolution. ( XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2020 )

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I called Trans Union and spoke with a Trans Union Customer Service Representative requesting that they unsuppress my credit report and data. The Trans Union Representative used a racial slur against me and called me a XXXX and stated to me that shes not going to unsuppress my credit data at all. My credit data and report has been suppressed by Trans Union for 1 year, and for 1 year, I have been requesting for Trans Union to unsuppress and unfreeze my credit report, and Trans Union refuses to unsuppress my credit report and data. Trans Union is using racist and discriminatory business practices against me because Im XXXX ( XXXX ). Thiss a blatant violation of The Fair Credit Reporting Act ( FCRA ) and a violation of federal and state law.

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 2020-08-17 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: CA

Complaint narrative:
Experian is failing to use Metro 2 and E-Oscar to verify an alleged debt that XXXX put on my credit report. XXXX is not giving Experian or on my credit report the full account numbers. The account number provided has 4 unknown variables which makes it impossible for Experian to verify that the account belongs to me. The grind payment history does not match up. Fore Example XXXX updated the term as {$0.00} a month. How can I owe a balance for an alleged debt if the monthly payment is for {$0.00}. Also, it notes that there was a payment of {$7100.00} on XX/XX/2020. How can an account be charged off if there was a payment? And if there was a payment, why was it not deleted from the alleged debt amount. The alleged balance was {$6500.00} and the alleged payment was {$7100.00}. {$7100.00} is a great amount than {$6500.00} so therefore there should not be an amount owed.

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 2020-08-17 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: Student Loan Care, LLC
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. 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: Untimely response
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Pulled credit without permission. Website was very broken and did not function as they claimed. I spoke with a chat rep about these tech failures on the same visit on which they are basing the fraudulent credit pull. Talked with rep when they called me in response to a negative online review, she was nice but did nothing to remedy.

Company response to consumer: Closed with explanation