vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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: TX

Complaint narrative:
I contacted the bureaus in regards to my credit score dropping significantly and the amount of hard inquiries that were on my reports. I have contacted the bureaus about my concerns and I have a number of hard inquires on my reports that I did not authorize and they will not remove them from my reports which is hindering my scores. I also contacted them regarding my score dropping 90 points when there were no changes in my file. I would like this resolved and for the hard inquires to be removed 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 2020-07-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX delivered a Cease and Desist letter telling them not to run my credit as a result my credit was ran multiple times.I try to address the concern with creditors letting them know the auto dealership violated the Cease and Desist order.I currently have a pending court case XX/XX/2020 resulting the violation of the Cease and Desist order.I try to contact equifax letting them know i want to all dispute after XX/XX/2020 because it was in violation of the desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted Velo Law Office and was told to send written request to said office to obtain validation of debt and payment statement ( some type of form so that I may submit payment in full via certified mail ). I sent written request via certified mail on XXXX to which Velo Law recieved on XXXX. On XX/XX/XXXX Velo law sent me only a validation of debt letter ( which did not have all correct information ) I again contacted Velo Law on XX/XX/XXXX requesting that the payment statement be sent to me so that I may make payment. I was told by XXXX that I would need to send written request and that if I sent in payment I would receive a dismissal in the mail within 10 days and that a dismissal would be sent to the courts as well ( there is no summon for me with the courts and she told me that she could not tell me what documentation was sent to me or anywhere else and advised me to seek legal assistance if I wanted such information ). I have since contacted my county clerk office, and no court summon has been created against me. I called back to Velo Law the same day and spoke with XXXX, who I informed that I already sent in written request for a payment slip to be sent to me and he said he would put in a request for this to be reviewed and that I should follow up in a week or two. If I was to make payment over the phone they could email me a copy of payment and it would also be sent to my origianl creditor. I would like a statement of collection attempt sent to me so that I may make payment. I would like documentation of debt reported paid in full when I pay. This collection agency has sent zero correspondence to me before I contacted them via phone and mailed in a request for documents. 
I have recorded conversations of all above information, including all contact with Velo Law, XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/30 I applied for a checking account online at Simple.com and was given the following message, " We're sorry to let you know that your Simple application was not approved. For security purposes, we can't tell you the specific reason. '' I called their customer support at XXXX to inquire, but was told again that no reason can be given. I asked about my rights to dispute incorrect information and to be provided a reason for denial per the FCRA, but was again told no information would be provided. I was unable to re-review my application for any potential mistakes and was not given any information on what potential reports were pulled in making the decision for denial. I feel that my rights per the FCRA were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.

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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
When I opened the Business account for Wells Fargo, They said there would be no monthly service fees, because I had other accounts with balances. They have been taking money out of account for last 7 months unbeknownst to me.

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 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am unable to link my PNC banking account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MA

Complaint narrative:
good afternoon and hoping everything is going well during this pandemic. Listen, I'm not sure why this collection account continues to report on my credit where I was told that it was going to be removed. It continues to report inaccurate information, unverifiable data. Why is it still here? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am conservator for my mother. On XX/XX/2019, she instructed Chase Bank to stop payment on two checks she had written. Neither check had cleared the bank, yet. 

Both checks were subsequently paid a few days later. 

My sister and I, ( co-conservators ) have been working with Chase over the past several months to determine what happened. They have not provided any information about why the checks were paid and are refusing to reimburse the amount. 

We have engaged our legal counsel ; incurring additional legal fees. 

Chase continues to refuse to refund the money even though they do not know why Checks were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am closing a bank account I have through ending in XXXX. To avoid the risk of having transactions charge to the closed account, which could result in fees and hurt my credit rating, I want to remove this bank account from Paypal. When I go online to remove the account, I receive an error message " We are unable to complete your request at this time ''. I am afraid to keep the account in Paypal, it doesn't have money in it and something may accidentally get charged to it. I have two other verified bank accounts in Paypal. 

There currently is no way to contact Paypal regarding my issue. When I call Paypal, I get a recording stating, " we cant support your inquiry over the phone at this time. Please visit the help center and send us a message. They will not take my calls. 

When I follow their instructions and go to the help center, sending a message, several hours later, a representative will respond and send a text code to my phone. After receiving the text code, I go back into messages and send it to them. However, a rep does not return for several hours and the text is only good for 10 minutes. After 2 days of repeating this process, Paypal said we have to do it by phone. 

Paypal has tried to call me but they always call before XXXX while I am working. I told them four times already only call me after XXXX EST. They call around XXXX or XXXX each time. Finally, today they said unless I can call them, they can't help me because there's no way to schedule a specific time for someone to call me. Their hours are until XXXX, but they won't set up a time when I am not working to speak with me. They won't help me in messages and they won't let me call them. 

Paypal asked me to call them but when I do, I get the recording to go back to send them a message. They tell me that they can't help me on messages, it must be by phone. 

I am afraid if this account remains in Paypal, then an accidental overdraft will occur resulting in costs out of my pocket and damages to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 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: OK

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$4500.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX   XXXX {$9000.00} XXXX XXXX XXXX {$3300.00}

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 2020-07-30 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: OK

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$4500.00} AXXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX   XXXX {$9000.00} XXXX XXXX XXXX {$3300.00}

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 2020-07-30 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the ccb/Children Place due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the  alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
in XXXX I made 2 purchases from merchant XXXX XXXX  CHARGE 1 : {$1600.00} and another CHARGE 2 : {$1300.00}. I then filed a dispute for both charges, for the CHARGE 1 : {$1600.00} charge I disputed {$1500.00} REF : XXXX and for CHARGE 2 : {$1300.00} I disputed {$1300.00} REF : XXXX .Later I was credited by the merchant XXXX  XXXX, they credited me {$1100.00} for CHARGE 2 : {$1300.00}. I then received communication from AMEX that I had won the dispute for {$1500.00} from CHARGE 1 and I was credited. Later, I received communication from AMEX that my dispute for {$1300.00} from CHARGE 2 was closed because the merchant XXXX XXXX had already credited me {$1100.00} towards CHARGE 2 I then filed a dispute for the remaining {$170.00} REF : XXXX that I was missing from the {$1300.00} dispute. I once again won the dispute and everything was in order. 

6 MONTHS later, I received communication from AMEX that since the merchant XXXX XXXX had already credited me {$1100.00} and since they had credited me {$1500.00} it meant that I had double credited. Which makes no sense since the merchant originally credited me {$1100.00} towards CHARGE 2 and AMEX credited me {$1500.00} towards CHARGE 1.Now If the AMEX is claiming that the credit XXXX XXXX in the amount of {$1100.00} was towards CHARGE 2 is really meant for CHARGE 1 then that means that my original dispute of {$1300.00} for CHARGE 2 was never credited as AMEX had originally claimed and was closed incorrectly. I tried multiple times to get someone from AMEX to understand this issue, they claim they do and the customer service rep agrees with me that this should not have happen and I should not be rebilled {$1100.00}, But every time the dispute goes to their back end team, I receive an automated response stating the same thing every-time, completely ignoring my issue and they don't even bother to look at the proof I'm providing, where you can CLEARLY see that the product for CHARGE 2 {$1300.00} was sent back to the merchant because XXXX was UNABLE TO DELIVER. Its completely ridiculous that AMEX wants me to be liable for {$1100.00} for product that I don't own. Very stressful situation that AMEX is putting me thru and to make matters worse, this is going to heavily affect my credit score by putting me at an utilization of over 50 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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: FL

Complaint narrative:
There has been a copious amount of hard inquiries placed on my credit report that I did not authorize. I have tried rectifying these issues with the reporting credit bureau agencies and directly with the listed agencies. These issues have not been rectified. I have attempted to contact these agencies via certified US Mail and telephone calls, but to no avail. 
XXXX  XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX, Credit Bureau Disputes, XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In the previous 2 complaints to SPS, I am trying to understand who owns my note to my house, and if it is still federally backed, as it was before it changed hands. 

This seems to be a mysterious question, and I cant get an answer. My loan was previously with XXXX, federally backed, as shown in my previous attachment. 

It is being serviced by SPS, but I just discovered the note belongs on a company XXXX XXXX XXXX XXXX. Attn : XXXX XXXX XXXX - XXXX XXXX XXXX. 

Is this loan still federally backed? If not, why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX  XXXX   XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.

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 2020-07-30 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: MA

Complaint narrative:
How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the XXXX XXXX   due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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