vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and Experian refuse to update my account being reported by XXXX to Experian as Paid In Full as of XX/XX/XXXX. 

I requested an investigation from Experian into this account to have them update the balance, status, etc. On XX/XX/XXXX, the investigation results from Experian stated that XXXX verified the information being reported is accurate as is and no changes were made to my report despite providing payment information to Experian showing the account has been paid. 

As of XX/XX/XXXX, the XXXX loan on my Experian credit report shows a balance owed of {$510.00} and the account is being reported as open and 30 days late.

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 2020-01-26 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: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have requested to XXXX XXXX ( Now XXXX XXXX ) and to credit bureaus Experian and XXXX to reinsert my mortgage loan into my credit and my wife credit report. 

XXXX XXXX ( XXXX XXXX ) has confirmed by written on XX/XX/XXXX and XX/XX/XXXX that they have reported the loan for reinsertion to all credit bureaus nonetheless the information still missing on Experian and XXXX. 
Dispute has been opened on XXXX and Experian on XX/XX/XXXX and XX/XX/XXXX. No response has been obtained from the bureaus mentioned above. This is negatively affecting my score. 
Both bureaus Experian and XXXX had been irresponsible and had failed to follow the laws that require them to report accurate information.

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 2020-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am a Wells Fargo customer and deposited a check for {$150000.00} in a Wells Fargo ATM on XX/XX/20. The ATM misread the check and indicated that it was for {$150.00}. I read the confirm quickly and hit the confirm button. I immediately realized my mistake and called Wells Fargo within five minutes to rectify the problem. I explained my mistakenly confirming the wrong amount and was assured that the problem would be resolved within 5 business days. On XX/XX/20 I received a letter from Wells Fargo that they had reviewed the document and they determined that it was for {$150.00} instead of the {$150000.00}. As you can imagine I am beside myself with extremely frustrated with the bank 's refusal to correct this. The claim nunber is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have requested to XXXX XXXX  ( Now  XXXX  XXXX  ) and to credit bureaus XXXX and Transunion to reinsert my mortgage loan into my credit and my wife credit report. 

XXXX XXXX  ( XXXX XXXX ) has confirmed by written on XX/XX/XXXX and XX/XX/XXXX that they have reported the loan for reinsertion to all credit bureaus nonetheless the information still missing on XXXX  and Transunion. 
Dispute has been opened on Transunion and XXXX on XXXX, XXXX and XX/XX/XXXX. No response has been obtained from the bureaus mentioned above. This is negatively affecting my score. 
Both bureaus XXXX  and Transunion had been irresponsible and had failed to follow the laws that require them to report accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX  is stating that I owe {$1800.00} through AB RCY SVS. When I stayed in the property ( XXXX XXXX XXXX XXXX XXXX XXXX ) the apartment had a leak that resulted in an extensive amount of mold that caused XXXX issues, trouble XXXX  and other XXXX symptoms in me and my spouse. I informed the office numerous times about the issue however their was no sense of urgency. Due to me becoming ill and the properties lack of concern I moved. I was informed that I wouldn't have a balance due to the extent of the apartment and the consistent inconvenience I experienced when I inquired about cancelling the lease. I don't think it's fair that I have to pay rent when I was living in an inhabitable living conditions when they failed to address the growing mold problem.

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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
I apply for a checking account at XXXX XXXX, XXXX, XXXX XXXX and others after was turn down by each of the bank I thought it was because they just don ; t want to help me but they stated that the reason they declined my account due to they verify my information such as my social security number with a third party company that they paid service for and that company is called EARLY WARNING services there for they stated EARLY WARNING services stated I have a collections of my previous account with some of the banks listed above. However I filed a bankruptcy chapter XXXX on XX/XX/2019 there for under my bankruptcy chapter XXXX law and protection the debt owning to any of teh banks or creditors of these bank would be expunge and there for it is wrong that EARLY WARNING co. refused to comply with the federal law and yet made it become that I owe these banks and these bank refused of open me an account with them knowing my debt would be consider remove of any collections I may have with these banks or charge off accounts and gave me a bad name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My Mortgage Company XXXX XXXX XXXX placed my mortgage for servicing by Select Portfolio Services in  XX/XX/2019 after I contacted XXXX for mortgage assistance and way told the only thing I could do was a " short sale ''. This was not an acceptable workout as I became delinquent during an illness which resulted in XXXX XXXX  XXXX with quite a bit of back and forth to receive the XXXX payments from my employer. XX/XX/XXXX SPS took over servicing the mortgage. I set up a profile and submitted a mortgage assistance request as I took on 2 part time jobs, at a lower rate of pay, with shift hours totaling enough to make my unemployment compensation award go dormant. One of the part time jobs stopped giving me hours not too long after hiring me. I spoke with SPS representatives several times ( I have a list of calls and contact names ). Each person told me something different and when I finally did receive a workout plan it was {$400.00} higher than a regular payment would be. I contacted XXXX XXXX XXXX who, I authorized to intervene on my behalf, SPS would not speak with the counselor even though I'd submitted a signed authorization. I then received a " default letter '', An ACT 91 letter and a letter stating that I refused the workout plan since I missed the deadline to accept it because I could not get anyone at SPS to speak with me. On inquiring why I was not getting any call backs from my " account manager '' at SPS I was told they were returning my calls to a phone number that was disconnected over 15 years ago, even though I did a current profile on the SPS website when I first received notice that the mortgage was being transferred to SPS. Now, I have asked again for mortgage assistance to clear my outstanding payments to current and the workout I received recently is {$500.00} more than the workout with the {$400.00} more over the original payment amounts. I am in the process of appealing a denial from Pennsylvania Housing. The frustration and stress is mounting as I continue to find adequate employment to correct my arrearages. I was told by my credit counselor not to make any partial payments until I could get a clear handle on where this stood and how it could be rectified with the help of SPS. As I mentioned, I have a log of various phone calls and responses to my inquiries as well as any other documentation that will show the chaos this situation has taken on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
My Coinbase account was restricted with unknown reason but they hold my funds.This company is scam.Even if when we deliver our problems, they take us for granted.without answering even in five months. 
Username : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: DC

Complaint narrative:
On Saturday, XX/XX/XXXX I received a notice that XXXX a debt collection agency on behalf of XXXX XXXX XXXX XXXX XXXX falsely put in a Derogatory Mark on my credit report for a debt that they never previously contacted me about and one which exactly 2 years ago, I informed XXXX XXXX that I did not owe because I was not living at the location and had proof of my move since XX/XX/XXXX. 

I was never further contacted by them after that last discussion on XX/XX/XXXX and now this is unfair that my credit report has to suffer for something that was not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Netspend Corporation
State: NY

Complaint narrative:
I received an unsolicited credit/debit card from Brinks Money. XXXX XXXX XXXX, XXXX, TX XXXX. 

I do not know how this company got my personal information.

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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I submitted a notice Of inaccuracies on my credit report via certified mail. 
Certified Receipt : XXXX Certified Receipt : XXXX Certified Receipt : XXXX Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name? 

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract.

# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I submitted a notice Of inaccuracies on my credit report via certified mail. 
Certified Receipt : XXXX Certified Receipt : XXXX Certified Receipt : XXXX Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name?

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract.

# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.

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 2020-01-26 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: NC

Complaint narrative:
On XX/XX/2020 I submitted a notice Of inaccuracies on my credit report via certified mail. 
Certified Receipt : XXXX Certified Receipt : XXXX Certified Receipt : XXXX Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name?

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract. 
# 2 Provide equal consideration from both parties to the contract. 
# 3 Provide for and evidence lawful terms and conditions. AND ... 
# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My phone was hacked and all of my credit card information and bank accounts were being used from a unknown burner of some sorts and the bank has helped me to find out what was going on because every month since the initial hack XX/XX/2019  I am having my XXXX pay withdrawals I have changed cards and had all cards in my possession as they are still charging me and I have called every single credit account I have and reported that I have not received the new cards that they have sent out after telling me to destroy my old cards and I can not understand how I am still charging HUGE AMOUNTS OF ITEMS AND I DONT HAVE ANY REPLACEMENT CARDS. I am only having a problem with 2/3 accounts but my bank and some of my longest accounts have deemed it fraud bank included! Sorry I am not mobile because Im a XXXX veteran so Im sorry I am not mobile to even get to all the places I am being charged for! So Im going to need you to re examine your determinations because these are not even my spending habits and my credit is really suffering from this issue and I just purchased a home last XXXX so I am POSITIVE THAT MY CREDIT ACCOUNT IS NOT RIGHT DUE TO FRAUD AND I AM NOT GON NA LET THIS INCONVENIENCE DESTROY THE CREDIT I HAVE WORKED HARD TO REBUILD! I will be awaiting further feedback from you on this matter because my bank has had to refund my check since XX/XX/2019 and I NEED HELP GETTING MY CREDIT BACK ASAP

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 2020-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Below please find the details of my transfer of {$2000.00} USD via PayPal to my fiance ' in The XXXX. Instead of sending the cash to the recipient, PayPal allowed a " company '' named XXXX intercept the money and they will not release it until XX/XX/2020. She needs this money to give to an attorney on XX/XX/2020 for a legal matter. 

XX/XX/2020 money sent to ; XXXX XXXX XXXX XXXX Your recipient should have the money by XX/XX/2020. 
Paid with ; XXXX XXXX XXXX XXXX Your backup is MasterCard XXXX Exchange rate ; {$2000.00} USD = XXXX XXXX  XXXX XXXX = XXXX XXXX Transaction ID ; XXXX Sent to ; XXXX XXXX XXXX Details ; Sent to XXXX XXXX XXXX XXXX Fee XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: GA

Complaint narrative:
To Whom It : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation