vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-27 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern according to the Fair Credit Reporting Act ... ..15 U.S. Code 1681c - Requirements relating to information contained in consumer reports It states below that .... 


( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

On my XXXX.XXXX  consumer report it states. 

XXXX  ... ... XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX  XXXX  XXXX XXXX ... . ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX XXXX  ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXXXXXX XXXX XXXX XXXX ( Date Opened ) ( XXXX  XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) Transunion ... ..XXXX  XXXX Services ... .. ( Date Opened ) ( XX/XX/XXXX ) 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

Sincerely, 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 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may concern according to the Fair Credit Reporting Act ... ..15 U.S. Code 1681c - Requirements relating to information contained in consumer reports It states below that .... 


( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

On my Experian.com consumer report it states. 

Experian  ... ... XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) Experian  ... ..XXXX XXXX  XXXX  XXXX XXXX ... . ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX XXXXXXXX XXXX  ... .. ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... XXXX XXXXXXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

Sincerely, 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 2020-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On around XX/XX/XXXX of 2020 I authorized unemployment to make a direct deposit to my PAYPAL Inc. Account in the amount of {$560.00}. PayPal accepted the deposit and then immediately froze my account and said they wished to longer do business with me. My account was " closed '' and they said that any balance on my account would be held for 180 days. I had used my account for various purchases from where I had deposited cash to my account. I've never had money deposited from anyone buying anything from me. So there would be no reason to hold my money for so long to allow a customer to dispute a purchase from me, since there never was one. The {$560.00} balance in my account is from my unemployment benifits, so obviously I need that money and have since XXXX. I have tried persistently to get in touch with PayPal and resolve this matter to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I withdrew XXXX from an ATM at XXXX in XXXX, Pa. I notified my bank that the ATM only produced XXXX but I had withdraw and had a transaction for XXXX on my account. They said I would get a credit withiny in 10 days. Its been over 30 days and there has been no credit or no resolution and nobody from the dispute team has contacted me. I have been missing over XXXX for over a month now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
MY IDENTITY WAS STOLEN AND SOMEONE TRIED TO RUN MY CREDIT NUMEROUS TIMES ACROSS ALL THE MAJOR BUREAUS, I HAD MY CREDIT RUN OVER 30 TIMES FOR ALL DIFFERENT TYPES OF BANKS THAT I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THESE INQUIRIES ARE ALL FRAUDULENT AND HAVE NO PERMISSIBLE PURPOSE. XXXX XXXX, XXXX, AND XXXX  have FAILED TO RESPOND TO MY REPEATED ATTEMPTS TO REMOVE A FRAUDULENT ACCOUNT THAT WAS PLACED BY WF/DILLARD I have called, mailed, and disputed online and they still have not to removed the account even though WF/DILLARD confirmed it was fraudulent. I HAVE MANY ACCOUNTS IN GOOD STANDING AND THIS HAS BEEN AFFECTING ME FOR YEARS. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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 2020-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I have a VA Mortgage loan with Flagstar Bank. FlagstarcBank Mortgage Loan Representatives refuse to provide me with a list of options in writing specifically identifying ways I can make up payments remaining after exiting forebearance other than making a lump sum payment. I have spent countless hours trying to obtain this information and requested a written list of options be mailed to my home address.

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 2020-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I am being sued by a company ( XXXX XXXX XXXX that is not a registered entity in my state of AZ. The XXXXXXXX XXXX XXXX filed a claim stating the original creditor was XXXX which is false, misleading and hampered the defendants ability to file an accurate answer defense response to the complaint. There is also an Arbitration agreement with the original creditor Continental Finance that states any claim that arises out of or in any way relates to the Agreement, your Account, or this Provision ( the Claim ( s ) ) shall be resolved exclusively by binding bilateral arbitration in accord with the following : a ) This Provision is contained in a contract evidencing interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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:
REMOVE ALL PREVIOUS JOBS

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 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On the closing date XX/XX/XXXX Billing rights Statements it states If you think there is an error write to us. see Exhibit B when I wrote to that address 3 different times to XXXX XXXX TX I never got a response. Which is deceptive, also it states We can not try to collect the amount in question or report you as delinquent on that amount, that is false because American Express reported me delinquent twice one in XX/XX/XXXX and XX/XX/XXXX at those months my entire balance of {$24000.00} was in dispute and in question.They also harass me almost on a daily basis via text messages, emails and phone calls about making a payment it got so bad I asked them to please stop texting me because they did not want to talk about how can they resolve the problem they only wanted to talk about making a payment and even suspended my account for no reason. They actually got upset with me because I continue to ask for information concerning my billing statements and the fraudulent late fees charges and fraudulent increase in the trigger APR interest rates fee charges. Its also states you will not have to pay the amount in question or any interest or other fees related to that amount, which is also false, the interest rates was increased to a higher interest rate when the late fees was added the my balances, which caused my balance to be excessively high. Therefore the balance of {$24000.00} is false which occurred due to American Express rolling over a pay overtime portion balance of {$5300.00} on the XX/XX/XXXX billing statement in which that balance was paid off, instead American Express continue to roll over the pay over time portion of the above amount continuous month to month on my billing statements and often adding late fees that triggered the APR interest rate to an higher rate that increase my balance to an higher balance over a couple of years. In XXXX XXXX XXXX continue to question about my late fees, when I was never past due being a loyal paying member for over 24 years never been late making a payment and I also continue to ask why was my balance so high, with no response from American Express. I called American Express on XXXX XXXX around XXXX and spoke with XXXX in customer care services I asked her about the amount that is due on XX/XX/XXXX for {$2800.00} she immediately said I have to pay that amount on that day, I told her that amount is incorrect because it has late fees and increase interest APR rates she told me to hold on she will transfer me to a supervisor, she never came back to phone and neither did anyone from American Express returned my phone calls which this is a pattern of American Express customer care services not coming back to the call or returning my phone calls. Very bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. PennyMac has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting PennyMac to remove the past due derogatory flag from my credit report from all three agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have a Wells Fargo " Cash on Demand '' credit card with Wells Fargo that i've had for quite some time. I recently paid this account off per the statement i received from Wells Fargo. I was later notified that this account was reported late to the three credit reporting agencies. I called Wells Fargo on XX/XX/XXXX to understand how i was reported late after just paying the account off. I was told that there were residual interest charges that weren't reflected on that statement. I informed the customer service representative that i had not received any statement reflecting those amounts ( or i would have paid ). I was told that the statement that would have shown those charges was " supressed ''. I asked why and the customer service agent could not give me any detail and told me " you know the post office has been having issues lately ''. On that call, i went ahead and paid the remaining amount to ensure that there are no further issues. However, I was still reported late to all three credit reporting agencies. I do not believe i was properly notified of this issue in time to ensure i did not go 30 days late on this account and i still don't understand why this particular statement would have been " supressed '' when previous statements were not. I am requesting that Wells Fargo update their reporting with all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) to remove the reported late payment.

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 2020-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Title365 Holding Co.
State: CA

Complaint narrative:
~XX/XX/2020 - I applied for a new mortgage with XXXX ~XX/XX/2020 - Loan closure ~XX/XX/2020 - Loan funded ~XX/XX/2020 - Contacted Title365 as title search records does not show the property placed back into trust. No return phone call. 
XX/XX/2020 - Contacted Title365 to follow up. No return phone call XX/XX/2020 - Emailed XXXX XXXX XXXX Closing Manager ) for follow up XX/XX/2020 - XXXX emailed me and notified the deed was recorded incorrectly and following up with recorders office for remedy. 
XX/XX/2020 - Emailed XXXX asking for a status XX/XX/2020 - Emailed XXXX asking for a status XX/XX/2020 - XXXX emailed with two options waiting for the lender to provide a releaseXX/XX/2020 - Emailed XXXX my frustration as this is dragging out too long. No response Loan # XXXX I've made numerous attempts by phone, and email communication to remedy the negligence with Title365, but they have yet to provide a solution and timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: GA

Complaint narrative:
On XX/XX/XXXX I sent a 2nd certified mail to the company with colored photo copies of my untility bill less than ( 45 days ), Unexpired Passport ID and SSN card challenging the errors and violations and mistake of identity of my name. To date, I received no response and no actions taken. Am patient but now it is way way too long.

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 2020-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. XXXX has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting XXXX to remove the past due derogatory flag from my credit report from all three agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. XXXX has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting XXXX to remove the past due derogatory flag from my credit report from all three agencies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
It was XXXX and I got into a car wreck and reported it to XXXX and Bridgcrest. Then XXXX and I froze my account so I don't pay on a wrecked car and then i called Bridgecrezt and asked them what i do the gentleman told me to pay off the last month and I should be good for the car will dont by that time. I payed off what he told me to pay and then i got informed that XXXX and bridgcrest weren't communicating and I had missed payments on my bridgcrest account. The lady said there is nothing they can do to help me since they didn't communicate with XXXX to get car totaled and they won't do anything about reporting the late payments. They have a great pay record with me never missed a payment and they won't help fix their mistake that hurt my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
This is a recurring issue where Paypal freezes the funds of a seller on XXXX  months after a sale and shipment. They claim the buyer has opened an unauthorized transaction complaint. Such a complaint is solely between the buyer and Paypal around the security of the Paypal account. It does not involve the seller as the seller ships an item when Paypal instructs them to. Paypal should not involve the seller when a completed shipment is evident. The seller should not lose money or have it frozen. 

Paypal engages in aiding and abetting its customers in perpetrating fraudulent transactions against sellers of goods on XXXX  and illegally seizing funds from sellers. 

I sold an item to XXXX XXXX of XXXX FL on XXXX  in late XXXX. They made their payment to me via Paypal. On XX/XX/XXXX, Paypal sent me an email saying the buyer claims the item purchase was not authorized by them. Paypal wanted me to provide them tracking information of the item, even though they have always possessed this information since the time of shipment, and i can see it on their site. Additionally the buyer should have made such a claim through ebay if their claim is legitimate, which is what paypal 's own process says to do for ebay purchases. But Paypal allows its customers to not follow the documented process. And they ask the seller for data they already possess and display. If the seller fails to respond, they lose the money automatically, even if they believe the issue is already addressed by the fact paypal already has the data. 

Paypal has seized my funds even though the item is shown as being delivered, and Paypal and ebay both originally advised me of the sale and where and to whom I was to ship to, which means it was authorized. Paypal already has all the info they request from me and can remove me from the matter, though I never should have been a party in the " dispute ''. However, they have a process in place where i would lose the money if I had failed to " respond ''. Government needs to stop this process which has many sellers have money stolen from them by paypal in conjunction with buyers committing fraud. 

I have a lot more to add to this complaint, but the form to submit only allows so many characters. Please reach out to me for more information, as this is absolutely a process that Paypal uses to assist buyers in defrauding sellers, and has refused to change their process. I have had this happen before with paypal. 

Paypal Case ID XXXX Original transaction ID XXXX

Company response to consumer: Closed with non-monetary relief