vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
These accounts do not pertain to me at all. Please have them removed from my credit report. Please see below the list of accounts : 1. Identity Theft LVNV FUNDING LLC Account number : XXXX This is not mine. 

2. Identity Theft LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

3.Identity Theft XXXX.XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: OKX INC.
State: ID

Complaint narrative:
For the last 2 months Since XX/XX/2021, I've been trying to get my coins Out of the exchange OKCOIN, and they told me that I could withdraw the Dollars but not the coins out of the exchange. I made an attempt to withdraw roughly {$3700.00} but it never worked. I told them I have bills to pay, but they're simply making my life hard. There's currently XXXX BTC and {$3600.00} in my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
The company will not cooperate with investigation i requested so i filed a complaint with XXXX. The company states then updates my credit report stating i was late after i complained to the better business bureau about payments and due date and the amount owed. made in adjustment on my account that the amounts still are not adding up. i called ask for them to please remove the late off my credit report report after customer service realized it was an error. rep stated he would send something over immediately and would not give me anything in writing. this still has not been updated. as a result i have been denied housing and could become homeless in 30 days with my family. This has been going on for months. This is very damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: MA

Complaint narrative:
Credit reporting agencies have turned into advertising agencies and are listening the retailers they serve and not the consumers. They have far to much power and abuse it. It is time our Congress reigned them in. 
Stupid me bought a XXXX thru a contractor at XXXX and realized when I arrived home and read the email it was not what was represented to me. I immediately called and cancelled all concerned. All set right? NO! Months later found my very good credit score took a 110 point dive in all three credit reporting companies. Found they did no investigation. I then called and asked it to be investigated. They chose to believe the the retailer and denied any correction. 

COMPANIES INVOLVED All three credit reporting companies and original Retailer called XXXX XXXX, XXXX XXXX XXXX, XXXX, Equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MI

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I sent a dispute letter to TransUnion on XX/XX/2021 in regards to the inaccurate and misleading information being reported on my credit report and I havent heard anything back in regards to that dispute. Please help me with this.

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 2021-09-15 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: NY

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: FL

Complaint narrative:
Credit Bureau XXXX, Transunion, and XXXX failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.

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 2021-09-15 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: FL

Complaint narrative:
Credit Bureau Equifax, XXXX, and XXXX failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On my Bank of America statement XX/XX/2021 there was a fraud charge on my credit card for {$62.00} to an unknown company XXXX XXXX XXXX XXXX. Fl. I immediately informed the bank they sent me a new card, and credited the account, The fraud phone number XXXX account ending with XXXX My XX/XX/XXXX statement had the charge again. I have spoken to several associates with no resolution. I have asked the bank for backup they keep transferring me with a hold time of half an hour. This is frustrating. 
The bank said its a rental property and this is fraud we have no rental property. 

Please help XXXX and XXXX 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 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have been trying to download PDF payoff and statement data. When I click on download statement a new tab opens but no document is downloaded.

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 2021-09-15 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
3 Hard inquiries on my credit report which I never applied for.

I have contacted 1 so far and the other 2 I`m unable to get in touch with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
In early summer Wells Fargo informed us that they were discontinuing our overdraft protection line of credit, and that we would need to apply for a credit card in order to continue to have overdraft protection. I didn't want another credit card, but under the circumstances applied in order to ensure we'd have overdraft. After I applied for the card ( and was denied ). I then received a letter from Wells Fargo that stated based on feedback from customers, they were adjusting their approach and keeping the line of credit open. I asked Wells Fargo to remove the credit bureau inquiry as I would have never applied for the card to begin with had this debacle with their credit lines not occurred. They have refused. This is just absolutely terrible customer experience and will result in me beginning to untangle all my finances with them. 

For what it's worth, I have a very high FICO ( XXXX ), more than sufficient income/ability to pay and a 30+ year relationship with Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
This company solicited my information and illegally obtained it by way of Michigan banks to coerce payment and tarnish my reputation to other banks. All the information they have is fraudulent and it has been obtained and used without my authorized consent. Chexsystems has furnished an entire report using my personal identifying information. Their federal violations and actions have hindered me from being able to open personal bank accounts and I have been denied consumer credit.

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 2021-09-15 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I called M & T bank where I have my loan for my vehicle through they were to set payments back when covid-19 hit for some reason in XXXX of last year they are stating I was late on a payment or missed a payment which is not true I've been on the phone four or five times and still can not get this resolved if you look at my payment history it's excellent until covid-19 hit when I lost my job and that's when I had payments move to the back of the loan so I did not miss or was not late and was told I would have nothing like that on my record if I put these payments to the back of the loan but still can not get any where's with this company

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 monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal permanently closed my account for no reason. Paypal does not allow me to transfer my remaining balance because they have limited my access in my account. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I received a debt notification letter from a collections agency first one dated XX/XX/XXXX and received a second notice on XX/XX/XXXX. It appears this was for a rental unit in XXXX, Fl and I reside in XXXX XXXX XXXX FL since XXXX. The period for the rental unit was from XX/XX/XXXX thru XX/XX/XXXX per an itemized statement they sent to me. The total of the debt is {$17000.00}. I picked up a call after numerous calls from this collections agency named FCO ( Fair Collections and Outsourcing, Inc. ) I explained to them that this is a case of Identity Theft and I was the named person on the bill however the bill is not my responsibility as I have never resided in XXXX, FL.

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 2021-09-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had an PAY PAL account and I keep getting a fraud notice ( 2-3 times a month ) believed originated from XXXX keep saying that the credit card was fraud using as below : PayPal XXXX XXXX To : XXXX XXXX XXXX % % % % XXXX % % % %, XXXX beluieve tuhat an unuauuthuoriuzed puaruty may hauve acuceussed your acucount, to purotuect your acucuouunut wue huavue teumpuoraruily ruesutriucted acuceuss to youur acucuount and youur lisutiungs have beuen deuactuivauted, wue hauve also removed any buaunk acucouunt and crueduit caurd infourmatuiuoun.

Tuo reugauin auccueusus tuo yuouur auccuouunt, cuomupleute thue fuoulluowuing steups wiuthuiun 2u4 huouurus.

Guo tuo aucucuouuunut

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 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
I paid off my home loan to Citizens One Home loan in XX/XX/2020. At the time of closing there was over XXXX XXXX dollars in the escrow account. Citizens claims to have mailed me two checks that I never received. I would like to get this closed out and my money back as soon as possible.

They made me go through a lengthy waiting process before declaring the checks missing. They made me sign a paper they send it the mail saying I didnt get the check and to send another one, all understandable. After the second check went missing, they are mailing me another form and then again going to just mail a check for a third time. I would like to establish a better way of sending payment than whatever is or isnt going on in the mail.

They are asking me again to sign a document saying I didnt get the check so they can send out a third check. I will sign the document. I asked they email it to expedite the process and they said that was impossible. I asked that we try another method of getting me the money. I offered to pay for a wire transfer and they said a check was the only way they could pay. I asked the check be sent overnight with a signed signature requirement. I offered to pay for it They said they cant do that and their policy is to only mail it. I also offered to go to them across the country and sign the document and pick up a replacement check. They said that too was impossible and not to come.

After two failed checks in the mail Id like to pay for a better way to get my XXXX XXXX dollars. Citizens was very unhelpful and seems content with their failed archaic methods. I am not. I would like my money, it's been over 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I had an auto loan with Ally Financial which began XX/XX/XXXX. The auto loan was completely paid off in XXXX of XXXX. Also in XXXX on a recorded call Ally agreed to remove ALL late payments on my credit report. The reference number to the XXXX case was XXXX. After a couple weeks of not removing it. I called back in XXXX to check the status. The representative acknowledged that she seen the agreement from XXXX and was confused of why it wasnt yet resolved. The rep open a separate case to attempt to get it resolved faster. The XXXX reference number is XXXX. As of today the late payments for XXXX and XXXX are still present on my credit report. Ally Financial failed to remove the negative marks as agreed. Im requesting Ally Financial to remove these negative marks from all 3 credit bureaus XXXX, XXXX and XXXX as soon as possible.

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 2021-09-15 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: TN

Complaint narrative:
I had an auto loan with XXXX XXXX which began XX/XX/XXXX. The auto loan was completely paid off in XXXX of XXXX. Also in XXXX on a recorded call XXXX agreed to remove ALL late payments on my credit report. The reference number to the XXXX case was XXXX. After a couple weeks of not removing it. I called back in XXXX to check the status. The representative acknowledged that she seen the agreement from XXXX and was confused of why it wasnt yet resolved. The rep open a separate case to attempt to get it resolved faster. The XXXX reference number is XXXX. As of today the late payments for XXXX and XXXX are still present on my credit report. XXXX XXXX failed to remove the negative marks as agreed. Im requesting XXXX XXXX to remove these negative marks from all 3 credit bureaus Equifax, XXXX and XXXX as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is " XXXX XXXX '', I am requesting this myself for you to take necessary action about the errors being reported on my Equifax Report. I am not connected to any credit company or any of its kind. I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation