vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-22 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This company is reporting inaccurate and conflicting information on my credit on my credit report to reporting agencies. They are reporting the following information to Shown as a collection account in both XXXX   and XXXX but an opened account in XXXX   XXXX. Date Reported XXXX. Status as Open Original Creditor 01 XXXX XXXX XXXX XXXX XXXX. Opened Date : XXXX Date Reported XXXX. Original Creditor. XXXX XXXX XXXX XXXX. 
Opened Date : XXXX XXXX Reported Date XXXX Midlandcre ActXXXX # XXXX. {$660.00} Past Due. Opened Date XXXX Individual Account. Date Opened XXXX XX/XX/2020 past due This account is also on my reprot from XXXX XXXX as a collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: NY

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22 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: NY

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE EXPRESS, LLC
State: OR

Complaint narrative:
My loan officer, XXXX XXXX, with Mortgage Express, and realtor, XXXX XXXX, told me to apply for an owner occupied loan, when they both knew that I wanted to rent the property out, in order to take care of my XXXX year old mother. The first loan I applied for with Mortgage Express was for a rental property loan. My offer was not accepted. When I found another home I put an offer on, they told me since I would eventually live in the home ( when my mother passed away ), to apply for a owner occupied loan. When the loan closed, and I informed my home owners insurance company ( XXXX ), they told me I needed a rental policy not home owners. When I contacted XXXX XXXX she stated she knew nothing about home insurance. I plan to occupy this home AND take care of my XXXX year old mother in her home, but I do not want Mortgage Express to do this to anyone else. XXXX XXXX has left threatening messages on my cell phone when I have asked to speak to her manager. She has been trying to intimidate me. How many other complaints do you have against Mortgage Express in XXXX, Oregon?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Charges : {$270.00} and {$350.00} This dental office is incorrectly charging me for services not provided. My son had dental work done but ended up not needing anesthesia, however, the office never corrected the charges and has resulted in these bills being sent to collection. I've spoken with the office numerous times but the billing never got corrected.

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 2020-03-22 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
State: CA

Complaint narrative:
Paypal has locked my account and frozen over {$1000.00} in there. They said some of my activity sending money to friends was suspicious. They asked for my bank account info, drivers license and a description of the charges, all of which I have provided. 

They sent me an email saying they would take 5 days to review my account. 5 days???? In a major crisis? I have had this paypal account for 20 years, and it is absolutely outrageous they would arbitrarily freeze my funds especially now. I can't transfer the funds out. Even if the suspicions were founded they do not have the legal right to freeze my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Accepted a 0 % APR FOR 15 months on balance transfers and purchases. The paperwork and card came in the mail with 0 % APR for 15 months on balance transfers and purchases. Called Capital One on XX/XX/XXXX and talked to agent to do balance transfer, was told I did not have a balance transfer offer. I could purchase with a 0 % APR for 15 months, but not do a balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: IN

Complaint narrative:
I was on XXXX looking into my credit and applied for a loan I was referred to Lexington Law I declined the service but I had entered my account number and routing number when I was on the loan site but never was on Lexington Law site they called me several times I declined the service they texted me several times I replied stop as the text said if you wanted to not be texted again and about a week or two later they took {$26.00} out my account they never did any service for me and I never had even talked to anyone from there company I called them to get my money returned the lady was very rude and told me I owe them money and hung up on me when I told her I was reporting them for ripping people off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: NY

Complaint narrative:
When correcting my Experian credit report. 
I am unable to remove my XXXX auto loan off my report after refinancing it The dispute page says that i already disputed one, and my dispute can't be submitted. 
I uploaded a letter that my loan is paid off. But the old balance of my loan is still displayed. And i have two loans on my report. 
Also, i emailed the XXXX XXXX about it. But they have not replied yet.

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 2020-03-22 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: LEXISNEXIS
State: WI

Complaint narrative:
XX/XX/2020 Lexis Nexis was contacted on how they verified a bankruptcy on they they reported to all 3 major credit bureaus and have yet to provide me with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: WA

Complaint narrative:
he Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 

underage with XXXX XXXX XXXX RENTDEBT AUTOMATED COL The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach

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 2020-03-22 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: WA

Complaint narrative:
he Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 

underage with XXXX XXXX XXXX RENTDEBT AUTOMATED COL The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach

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 2020-03-22 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: OR

Complaint narrative:
Firstly I never opened this Capital One credit card number that claims i opened it in XX/XX/2018, which is not correct because I have never associated with a credit, now my own credit union will not even let me open a checking account with them because of this fraudulent account that messing my credit score up not to mention the 36 credit inquiries. I have only made 4 different credit inquiries with 3 different banks which are XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX and they all declined me because of all this mess!! I am so sick and tired of all this mess. I'm only a beginner credit score person. I don't need all this horrible mess that I have been having to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: WV

Complaint narrative:
Two years ago, I had XXXX internet service. My satellite had to be worked on more than once, resulting in loss of service and even on most days I didn't have service any way. The last representative I spoke to told me my satellite never worked correctly in the first place and he waived my early termination fee. But every so often, they still turn it over to a collection agency, I have to make angry calls, and then the Bill disappears. They have done it once more and I am just so tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I only use my Wells Fargo account for paying bills, online shopping, online selling, and receiving my work checks so I really never look at my account like that since I have all my bills set up to pay from the account.. 

It started when I noticed emails saying some of my bills where not being paid.. then I tried to look at on the app and it wont let me in from XX/XX/2020 - XX/XX/2020 .. I try calling customer service to get in but due to coronavirus the wait times were very long so I went to my local branch. 

I finally get into my account and see that its in negative. I see 2 checks written and deposited in ATM for XXXX on XX/XX/2020 and XXXX on XX/XX/2020 ... frm XXXX XXXX NV.. I live in South Carolina.. I also never written a check in my life.. I also see cash app transactions for the amount of XXXX XX/XX/2020, XXXX XX/XX/2020, and XXXX XX/XX/2020 which I also didnt authorize.. 

I call Wells Fargo and file a claim and they tell me to wait 10 days. Meanwhile while this is happening my online sells and work checks are being direct deposited to my account meaning Im paying off the negative debt it left and I also I have no money to pay my bills due to it being negative ... during this time their was no way for me to switch my direct deposit to another card or account because my job was closed down due to coronavirus.. so Im basically paying a debt I didnt even do! 

Few days later I receive a letter saying they are going to close my account due to it being over drawn so call to check on the claim.. the Wells Fargo claims department told me thrs nothing they can do and since my account has been hacked they cant help me.. they tell me if I dont pay the collection agency will take over.. 
I go back to my local branch and tell them.. all they tell me to do is file a check deposit claim.. 
meanwhile my last few work checks have basically got the debt down and my account is XXXX now. I call to try and set up another claim and they said since the claim has been closed already they cant open another one! My bills are pass due cause of this.. they basically didnt even care.. please 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 2020-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA CFPB RESPONSE XXXX XXXX CONFIRMS FALSE ALLEGATIONS. USAA FABROCATED FRAUD REPORTS I DID XXXX NOT REPORT AS FRAUD. XXXX USAA FRAUDULENTLY REPORTS FRAUD REPORTS CONSUMERS NEVER SUBMITTED. USAA XX/XX/XXXX TRYING TO COLLECT ON ID THEFT case XXXX CONFIRMS FRAUD REPORTED BY ME BEING XX/XX/XXXX {$470.00} ( PLUS XX/XX/XXXX - XX/XX/XXXX {$180.00} THEN {$59.00} THEN XX/XX/XXXX {$230.00} ) ** KINDLY NOTE THESE ARE INCLUDED IN THE {$470.00} I REPORTED FRAUD XX/XX/XXXX. USAA CAN VIEW THEM ON STATEMENT ATTATCHED XX/XX/XXXX. USAA TRIES TO COLLECT?? KINDLY NOTE** see attatched XX/XX/XXXX STATEMENT ** KINDLY NOTE XX/XX/XXXX STATEMENT WRITTEN DOCUMENTATION USAA PROVIDED NO CREDITS * USAA CONFIRMS DOUBLE FRAUD REPORTED BY ME.?? NOT TRUE. FALSE ALLEGATIONS KINDLY NOTE USAA YOUR {$180.00} + YOUR {$59.00} + YOUR {$230.00} FAKE FRAUD REPORTS TOTAL TO THE PENNY THE {$470.00} I DID REPORT AS FRAUD!! AND KINDLY NOTE USAA XXXX HAS NEVER RESOLVED THIS FRAUD** CLAIM I REPORTED FRAUD {$470.00} XX/XX/XXXX XXXX NO USAA CREDITS WERE EVER GIVEN see Statement XX/XX/XXXX. THERE ARE NO USAA CREDITS. USAA COLLECTS ON ID THEFT USAA DOES NOT RESOLVE FRAUD. ** FABROCATES FRAUD REPORTS USAA REPORTS ** FALSE CREDIT INFORMATION DESTROYING CONSUMERS CREDIT SLADERING MY NAME THAT I REPORTED FRAUDULENT FRAUD REPORTS I DID NOT REPORT. see attatched FRAUD LETTER XX/XX/XXXX it took from XX/XX/XXXX to XX/XX/XXXX to complete this fraud investigation ( 10 ) MONTHS?? AND ** THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET!!!. XXXXTHIS CONSUMER HAS BEEN HELD LIABLE FOR AND COLLECTED ON FOR ID THEFT FRAUD OF XX/XX/XXXX USAA ACCUSED ME OF REPORTING FRAUD ON RETURNED ITEM XXXX XXXX OF {$120.00} TO SLADER MY NAME REPORTING ME AS CRIMINAL DENYING MY LEGITIMATE FRAUD CLAIM ** LOOK HOW MANY CFPB COMPLAINTS REPORTED AND STILL TWO YEARS LATER. STILL NO RESOLVE????? USAA OWES ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I disputed these Inquiries on my credit report however the bureaus will not remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX, REMOVE PHONE NUMBER ( XXXX ) XXXX REPLACE WITH ( XXXX ) XXXX, REMOVE NAME SUFFIX ( 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 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
see CFPB complaint XXXX XXXX I submitted XX/XX/2020THIS HAS BEEN 30 Days Ago. Why has there been NO RESPONSE TO COMPLAINT USAA PROVIDES ME ** NO ACCESS DUE TO MY XXXX.??? ( Members not XXXX have 24/7 ACCESS ). I HAVE NONE. see detailed account of no access in this complaint. USAA DENIES ME MY CIVIL RIGHTS DISCRIMINATES AGAINST MY AGE AND XXXX WITH NO ACCESS THAT ALL OTHERS ARE PROVIDED. EVERYONE NEEDS ACCESS TO THEIR BANKING! I AM A VICTIM ( XXXX YEAR OLD ) OF ID THEFT WITH NO ACCESS TO REPORT OR PROTECT MY SELF FROM FRAUD AND NO RESOLVE WITH USAA??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc some 180 days us dept of ed XXXX XXXX XXXX XXXX removed and put back on unlaw act violations of FTC CFPB and other government agency pick one

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 2020-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
ShellPoint Mortgage servicing website is always not working. i tried to make a payment 3 days in a row and couldn't because the website was down. but they expect people to make on time payments. This is settling people up for failure.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: MT

Complaint narrative:
I have a XXXX XXXX XXXX Money Network card from my employer that my payroll is deposited to. On XX/XX/2020 5 unauthorized purchases posted to my account. Under the dates XX/XX/XXXX, I have charges for {$29.00}, {$1.00}, and {$120.00}. A charge on XX/XX/XXXX for {$14.00} and a charge dated XX/XX/XXXX for {$53.00}. I called the customer service department twice on XX/XX/XXXX to dispute the charges and asking for an explanation of the charges. I was told to call back in 7-10 days to allow the charges to clear and possibly I could dispute them. Id have to fill out a form, wait for them to investigate and it could be 90 days before Id see a refund, if they found the charges to be fraudulent. They refused to give me any information or an explanation as to how the charges were made without my card being swiped or anyone having access to my card or PIN numbers. Three of the charges are at a liquor store in NJ and I live in MT! They were rude, dismissive and kept asking if Id given my information or permission to anyone to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation