vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I checked my credit report and saw I have a collections account from Credit Control Corporation. I sent this agency a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative.

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 2020-06-05 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: GA

Complaint narrative:
I am contacting you because I have a fraudulent Item on my credit report I sent in a identity packed in it's been over 30days and the item is still on there I would like this issue resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, I had contacted Wells Fargo to schedule a recurring automatic payment in order to cover the minimum payment on my Wells Fargo credit card. I had also submitted a one time payment on the same day. The representative assured me that going forward I had nothing to worry about and that it would get automatically pulled as long as I had money in my account sufficient enough to cover the payment. My payment due date was set to be XX/XX/2018 for {$25.00}. I was never notified that the payment was unsuccessful and now I have a late payment posted on my credit report. I am now in looking to become prequalified for a home and I have been advised that I can not get a mortgage because of this mark on my credit report in this situation, because I have attempted at resolving with Wells Fargo representatives.

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 2020-06-05 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC has failed to take action on my request pertaining to my credit card. There were fraud charges that they never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: GA

Complaint narrative:
XXXX XXXX reported incorrect information on my credit report indicating that I am 60 days late on my loan payment. I Spoke with a representative and made arrangements. 

These are the dates I made payments : XX/XX/2020 XX/XX/2020 XX/XX/2020 Current Arraignments : XX/XX/2020 XX/XX/2020 Please assist me in this matter as I am not late with this account. Thank you!

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 2020-06-05 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: EQUIFAX, INC.
State: OK

Complaint narrative:
There is inaccurate, misleading, incorrect, out of compliance information on my report I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I was on the Discover credit card app regarding a current card. One of those suggestions came up saying to apply for a credit card and THAT IT WOULD NOT AFFECT MY CREDIT REPORT. I continued with the application based on that disclaimer because I did not want a hard inquiry on my credit report. I continued the process and hit the submit button. Automatically I received an email from XXXX  that I had an inquiry from Discover. I contacted Discover and they said that the initial request would not prompt an inquiry but completing the ENTIRE application would and there is nothing that they can do about it. This is the epitome of bait-and-switch and I would not have applied for the credit card if they : 1 ) had not suggested it 2 ) said that it would be a soft inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There is inaccurate, misleading, incorrect, out of compliance information on my report I have no knowledge of.

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I wanted my equifax n XXXX  updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
This whole issue started in XXXX. I was on a modified repayment plan requiring me to pay a month 's missed payment over the period of three months with the increased payments due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - these payment due dates explicitly give you through the end of the month to submit your payment. I made the XXXX payment no issues. I scheduled the XXXX payment for XX/XX/XXXX. When the money was finally pulled from my count, my account had an insufficient balance so the payment was not made. I scheduled another payment for my XXXX payment to withdraw on XX/XX/XXXX. Mr. Cooper denies that they ever withdrew the XX/XX/XXXX payment from my account - in spite of bank statements, and confirmation by bank employees that the withdrawal was made in the same fashion the previous 4 months ' had been taken. After over a month of Mr. Cooper denying that I'd made my payment, I disputed the ACH transaction through my bank to have the money returned to me. I made a mortgage payment on XX/XX/XXXX. I paid the balance that was due on my account - in fact, Mr. Cooper 's website does not allow partial payments even if you were to want to make one. Based on the language on my account, my account was current with a normal payment of {$1000.00} due XX/XX/XXXX. As of XX/XX/XXXX my account reflected I was current. Then on XX/XX/XXXX I received a letter than my account was past due and that I had " unapplied funds '' and that I now have a payment of {$2300.00} that is past due from XX/XX/XXXX. 

Mr. Cooper can not explain to me where my XX/XX/XXXX payment has gone, it is not properly crediting my account to reflect that they collected a payment from me on XX/XX/XXXX and I am out of options because of their utter incompetency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NV

Complaint narrative:
The accounts listed are not mine, nor is my addresses, names. The companies listed also were not authorized to run my credit. Please remove them immediately as this is a second request.

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 2020-06-05 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: AR

Complaint narrative:
This is the first time I have had identity theft. I'm not sure the reason behind this but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AR

Complaint narrative:
This is the first time I have had identity theft. I'm not sure the reason behind this but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: PNC Bank N.A.
State: OH

Complaint narrative:
I have been trying to use my XXXX account and just added my new debit card to it and im having trouble verifying my bank account to my XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
PHH has failed to correct the amount they are reporting as a balance for my loan via their website despite repeated and numerous contacts ( emails, phone calls, Notice of Error ). PHH has not corrected the error since I first notified them 109 days ago. This is an unacceptable, deplorable amount of time that, regretably, seems aligned with their general approach to providing customer service. 

PHH 's written response to the Notice of Error letter simply restates information I already know ( my loan servicing was transferred from the originating financial institution to a secondary institution ( and *not* PHH ) and requires me to take action that I have already taken twice ( and shared the results with PHH each time ). 

PHH is reporting an incorrect balance even though their own documentation correctly shows no balance as of the date of transfer and confirms they were never the servicer of this loan. 

Based on my experience, I recommend avoiding financial transations with PHH/XXXX  if you have a choice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NV

Complaint narrative:
The accounts listed are not mine, nor is my addresses, names. The companies listed also were not authorized to run my credit. Please remove them immediately as this is a second request.

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I tried calling the company, Experian, and was unable to get a person. The automated system was rude, complicated and unhelpful. It froze my credit and hung up on me. I have no reference number. This is not what I was trying to do, and the automated system rapid fire rattled off a very long number which I could not write down and then hung up on me. I was unable to contact a person no matter how hard I tried. I filled a complaint here # XXXX. You sent me an email saying my problem was resolved. In the email, it detailed I could unfreeze my credit with my PIN number. I do not have a PIN number. It said I would receive a corrected credit report. I have not received a corrected credit report. None of the things Experian reported doing were accomplished and my situation has not been improved.

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 2020-06-05 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
Any physical proof that an account established by me, should be sent to me with such direct information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2020-06-05 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: TX

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX {$2700.00} XXXX {$1300.00} XXXX {$580.00} XXXX {$410.00} XXXX {$2300.00} XXXX {$330.00} XXXX {$590.00} XXXX {$840.00} XXXX {$500.00}

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 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2020 I sent XXXX XXXX ( on XXXX named XXXX XXXX ) {$30.00} for a ticket to a stand-up show. After confirming the payment to her, she requested another {$10.00} for a transfer fee which I said I shouldnt be paying. After that she blocked herself from the conversation. Communication is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened checking and savings accounts with Citizens Bank specifically to earn a promotional bonus. Only part of the promotion was credited to my account. Please see attached for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Vantage Sourcing, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I wanted my XXXX  n XXXX  updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX  card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me

Company response to consumer: Untimely response
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I wanted my XXXX  n experian updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call 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 non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I have been unable to get a replacement debit MasterCard from the GoProgram customer service at XXXX or online at www.GoProgram.com. Their customer service is completely unreachable. Online it says my card number is not valid and says to call the phone number above. ( My card has expired and that is why I need a new one ). The phone prompts take me in a path that says my information is not valid and hangs up on me, or it says to go back online and use their website. There is no way to get to a human and ask a question or get my problem resolved. Their information says their support line is open 24/7. I  have called that number at all times of the day and night for the last 3 weeks ( at least 15 times ) and have not been able to reach anyone. The authorization to have this card is from my employer, XXXX XXXX XXXX. It is a " XXXX  XXXX  '' " Way2Go '' Debit MasterCard. 

I have contacted the payroll department at my employer and they said I have to go through the Way2GO GoProgram customer service to get a new card and/or fix the problem with my existing card. Three times my payroll department has attempted a phone transfer for me to the GoProgram customer service, but the results are the same and no contact or resolution possibility is available ... and the line goes dead or hangs up. 

This is a complete failure by this company to provided provide service. I even called MasterCard and they said they just make the cards for the GoProgram Way2Go XXXX  XXXX  and could not offer any advice other than to try the same phone number I have been dialing for weeks. 

All I want to do is order a new card that works ... but there is no way to do that within their current system. 
Please assist.

Company response to consumer: Closed with explanation