vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is the bank holding my loan at 7.29 % Intrest. Payments are {$760.00} After being laid off from work on XX/XX/XXXX due to Covid-19 by XXXX I asked for a deferment of payments. When I started my Payments, I paid on XX/XX/XXXX payment of XXXX 100 % to Intrest. XXXX XXXX {$1000.00} 100 % went to Intrest. On XX/XX/XXXX Payment for {$800.00}, {$640.00} to Intrest, and {$150.00} Principal with payment Variance {$260.00}. XX/XX/XXXX payment {$500.00} and {$270.00} to Intrest and {$220.00} to Principal. XX/XX/XXXX payment {$760.00} and Intrest {$250.00} and Principal {$500.00}. XX/XX/XXXX Payment {$760.00} and {$520.00} Principal and {$230.00} Intrest. XX/XX/XXXX Payment {$760.00} Principal {$520.00} Intrest {$240.00}

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX I have a debt collection with ic systems Ive previously contacted public storage to try to solve this problem but they have no recollection of this they cant find it in there system but I can still se sit on my credit report I refuse to pay for something I had nothing to do with and this is why Im reporting 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 2021-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: V and H Portfolio
State: CA

Complaint narrative:
Shot and slime this credit reporting company place a collections on my credit report on XX/XX/2021 the collections company is title Vance and Huffman I tired calling this company for over 3 days they have yet to answer the poke more can you get anyone and they never states what the collection is for I try my hardest to keep my credit right and hard working in my credit this company place this on my credit knocked my score down 15 points I need help to resolve this I have nothing on my credit or any collections please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 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: NJ

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from PayPal for months but I just remembered I could file a report on here as I feel like they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In XXXX of XXXX, I deferred my mortgage payments due to losing my job due to unemployment. In XXXX, I resumed and repair the amount, bring my mortgage current. Yet Wells Fargo continued to report my payments as being deferred. I worked with them to resolve this and they claimed that the situation was settled and sent me a letter to that effect. 
In XXXX, I found that Wells Fargo is continuing to report my payments as being deferred. When I tried to resolve this with Wells they've claimed several times that there's no issue. They have sent me letters saying that they have reviewed my file and there's no problem. However, yesterday I had a credit report pulled and Wells Fargo is continuing to report to all three companies that my mortgage payments are deferred. 

I can't refinance my mortgage, I can't move my mortgage anywhere while Wells Fargo continues to lie to the credit reporting companies that my mortgage payments are deferred. They are costing me money and causing serious stress.

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 2021-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Complaint about credit inquires that are on my account and they are not mine, I called customer service would not delete these. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX 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 2021-04-30 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: MI

Complaint narrative:
I purchased a vehicle in XXXX. Financed through XXXX XXXX XXXX. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a 30/60/90 late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.

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 2021-04-30 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: FL

Complaint narrative:
There are 6 accounts on my credit report that do not belong to me I need these removed asap I have filed for FTC I have been disputing these since XXXX of 2020 and I am getting pretty ticked off since I am spending days and days on these trying to save my credit from accounts that are not mine they do not belong to me I have no idea how these are on my credit and who put these there. I own no such cards or accounts. 

Account Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-04-30 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: NY

Complaint narrative:
I am writing this to request that my credit reports be updated to reflect accurate data. I filed a complaint through the CFPB portal to dispute a debt collection attempt from XXXX XXXX that was not valid. Below is their response. They have agreed to remove the collection, " In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. '' I ask that this information be reflected immediately on my reports, thank you. 

Original Complaint ID : XXXX Response From XXXX  : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : XXXX placed an account for you in our office to collect a balance of {$2000.00}, on their behalf. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the only communication we have received on behalf of this account. The credit bureaus term account open date XX/XX/XXXX, means the date when we were assigned the collection account from our client. This does not affect or falsify how long the account will remain reported to the credit bureau. The amount of time the account will be reported to the credit bureau report is determined by the original delinquency date XX/XX/XXXX, as reported to us by XXXX. In an attempt to help you find resolution, we have forwarded a copy of your complaint to XXXX. In response, XXXX has provided an explanation of the account. We have attached a copy of their explanation for your convenience. We will mail you a copy of the statements provided by XXXX. 

In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. 

Please note that XXXX considers this balance to be valid and owed. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Compliance Representative at XXXX XXXX , XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing this to request that my credit reports be updated to reflect accurate data. I filed a complaint through the CFPB portal to dispute a debt collection attempt from XXXX XXXX that was not valid. Below is their response. They have agreed to remove the collection, " In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. '' I ask that this information be reflected immediately on my reports, thank you. 

Original Complaint ID : XXXX Response From XXXX  : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : XXXX placed an account for you in our office to collect a balance of {$2000.00}, on their behalf. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the only communication we have received on behalf of this account. The credit bureaus term account open date XX/XX/XXXX, means the date when we were assigned the collection account from our client. This does not affect or falsify how long the account will remain reported to the credit bureau. The amount of time the account will be reported to the credit bureau report is determined by the original delinquency date XX/XX/XXXX, as reported to us by XXXX. In an attempt to help you find resolution, we have forwarded a copy of your complaint to XXXX. In response, XXXX has provided an explanation of the account. We have attached a copy of their explanation for your convenience. We will mail you a copy of the statements provided by XXXX. 

In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. 

Please note that XXXX considers this balance to be valid and owed. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Compliance Representative at XXXX 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 2021-04-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$420.00}, {$5900.00}, {$0.00}, {$6000.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- STUDENT LOANS 4. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Dear sir/madam : I would like to report coinbase for an unauthorized transfer if my miney to a non existing wallet ( XXXX  ). 
I bought XXXX worth of LITECOIN  ( LTC  ), a type of cryptocurrency, onXX/XX/2021 @ XXXX XXXX according to the transaction records.ive been trying to withdraw the miney to use for emergency, but to my surprise there is no way to withdraw it because it is in a wallet that only coinbase knows the answer why it is there.please help me as this is a serious problem for investors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I received a letter in the mail ( date XX/XX/2021 ) from XXXX XXXX XXXX XXXX ( XXXX ), saying that I owed a debt to PayPal and they are collecting on that debt. 

I do not owe any money to PayPal. I do not know if my identity was stolen or fraud or what, but this is incorrect. After researching XXXX a little more, apparently they use these same tactics on/with many others. 

I would like it stopped without having to contact them and reveal any more of my personal information to them, as is being requested in the letter I received. I do not trust that this is not a scam and do not wish to contact them in person by phone, email, website or any other way that would give them more information about me than they have already managed to get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 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: NJ

Complaint narrative:
As a follow-up to CFPB complaints # XXXX and XXXX, I am submitting an additional complaint, as the Company has failed to fully reply to my concerns and requests, and there are remaining issues. Please see attached letter for complete details. In summary, the Company is not fairly addressing my disputed transactions, is procedurally biased in favor of the merchant, and may be in violation of the letter and spirit of the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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:
There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Applied at Amerisave to re-finance my home on XX/XX/21. I put {$500.00} up front for being serious about doing it per their request. I guess history has repeated itself with them. I see they are known for pulling a Bait-And-Switch Mortgage Scheme. That's exactly what they did to me. At first the closing disclosure was one thing ( agreeable ). Then it kept changing way beyond belief! There is no communication whatsoever. I've really exhausted my effort with them. They are nothing but scam artists. I really want my money back. I've gotten nothing but the run around with them. This is the worst experience I've ever had doing this process. What can I do?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I received a debit card and statement showing I had opened 2 accounts with PNC Bank. I did not open any accounts with PNC. I called customer service for the bank immediately and had the accounts closed on XX/XX/21. I was told on the phone that I would receive a call from their fraud investigation dept but have yet to speak to anyone. Today, I received a Virtual Wallet Spend Statement in the mail, there was no balance or any transactions shown on the statement. I called customer service again and was told I would need to go to a local PNC Bank branch to verify whether or not the accounts were closed. I would like further information as to how this account was opened and some clear resolution from PNC Bank as I have heard nothing and no one has reached out to me about fraud. To be told that I have to spend my valuable time finding and going to a bank branch just to verify that these fraudulent accounts have really been closed is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Improved Data Services LLC
State: AZ

Complaint narrative:
IDS has been contacting my aunt about my debt. they have contacted her via phone and text message repeatedly, most recently on XX/XX/2021 by phone and XX/XX/2021 by text. I spoke with the debt collector on XX/XX/2021 and asked them to remove my aunts number from their list as she has no right to my private matters. They have never had an issue contacting me and have my contact information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2021, I requested this credit reporting agency to remove several names and addresses on my credit report that I have never been associated with. They have removed some names however there are addresses still reporting on my credit report.

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