vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
I have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XXXX XXXX, 2019 I reached out to each bureau XXXX XXXX XXXX  & Equifax ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: WA

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 4 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Conn's, Inc.
State: CO

Complaint narrative:
I am complaingin about goint to Conn 's furniture to buy a bed and bed frame. I requested a XXXX frame and they charged me for a XXXX. When the we asked to get a copy of the contract they refused. We asked 3 times. They said we had to go somewhere to get the copy of the contract. We spoke with XXXX the sales person and advised we did not want the the {$1000.00}. The driver put the bed together and I asked to see the copy of the contact. He said it was on his phone. I could not read the information due to the font was not big enough.. When asked the driver to inlarge the front he did not understand me due to he did not speak XXXX. I went ahead and signed the contact. We did not have any bed at all to sleep on. We are elderly and can not sleep on the floor and the Love Seat. 
We contacted the company and they declined to change the frames from the vibrate that is {$1000.00}. and give us the smaller frame for {$770.00} plus a tv of XXXX XXXX inch. and have XXXX extra on our credit. 
Conn '' s XXXX XXXX XXXX, XXXX, TX. XXXX XXXX # XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On Wednesday XX/XX/XXXX at XXXX, {XXXX} was sent from XXXX through Venmo to what we believed was a legitimate person/ company XXXX Person : XXXX XXXX XXXX  ). 

The person was to send items to me in exchange but as it turned out he was a fraud and never sent any items. In an effort to get the money back neither Venmo or XXXX have helped resolve the issue or even give us more info of the recipient to we can file a civil matter. 

The regulations seem very inadequate for services such as Venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal had an account that they had maintained for several years. Paypal concluded, per their website, that I had violated their user agreement adn said I could then withdraw any money they had after 180 days. If this wasn't sleazy enough, they have held the money for longer than 180 days. Operators acknowledge that I can withdraw my money now, XX/XX/XXXX, becuase the 180 days has past. However, there is a " technical '' error every time i go do do that. 

If you will look at the excel sheet i am submitting, you can see that as of today, XX/XX/XXXX, it is 187 days. 

So it just seems that paypal induced me to use their service, accused me of something, but wont ' tell me what, and now won't return my money for 180 days. HOwever, tehy won't return my money after 180 days either. It would seem Paypal is just keeping myh money. Seems like a good business, 100 % profit. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: VA

Complaint narrative:
I have been trying to solve this issue for a long time with wells fargo but got no help. I have an checking and savings account with them. For more than 2 years they have been unauthorized charging me for something that I have no idea about. I have never checked my account before and I have been paying XXXX dollars every month in a 2 transaction for something called XXXX XXXX. I have talked to the branch about it when I found out after almost 2 years. They couldn't help me out and finally after a many try they were able to stopped the charges and gave me a 2 months of money back. I have been trying to get my whole refund as this was out of my authorization. I have lost so much money because of this unauthorized charge. This is not fare for a person with low income in this country. I have been in a hardship and got charged for minimum balance or out f balance that I wasn't accounted for. I want wells fargo to recover all my money that I lost so that I can payback my loaner. This is getting out of my hands to just survive with my family. This is just unjustice of a known business and a known big company. I would have to get my money and close this account and move on to somewhere else. But I wanted try one last time to get an solution. I have been trying so hard to not mes up my credit score but getting scammed like this is just unfortunate for me. I want all my money back period. I would have to seek a lawyers help if I have no other options and I will if it's the last resort for me to get my money back.

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 2019-07-02 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: CA

Complaint narrative:
Not as if it comes with or as a big surprise but during the process of Obtaining two separate school loans I was led to believe that my payment would always remain manageable and that I would have nothing to fear when graduating only blue skies ahead however I was fraudulently led to believe that the payment would not adjust and yet it did and skies became quite a bit more gray. I am aware of the US government is suing XXXX XXXX XXXX and many other entities For fraudulently issue in student loans without disclosing variable rates against the fair lending credit act end it is a violation of the fair credit reporting act to report such fraudulent loans on my credit. I have opened disputes to ask for original amount of the loan an original signature is agreeing to those amounts Yet all three credit reporting agencys failed miserably and following the FCRA in verifying those facts with access capital.

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 2019-07-02 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: CA

Complaint narrative:
Not as if it comes with or as a big surprise but during the process of Obtaining two separate school loans I was led to believe that my payment would always remain manageable and that I would have nothing to fear when graduating only blue skies ahead however I was fraudulently led to believe that the payment would not adjust and yet it did and skies became quite a bit more gray. I am aware of the US government is suing XXXX XXXX XXXX and many other entities For fraudulently issue in student loans without disclosing variable rates against the fair lending credit act end it is a violation of the fair credit reporting act to report such fraudulent loans on my credit. I have opened disputes to ask for original amount of the loan an original signature is agreeing to those amounts Yet all three credit reporting agencys failed miserably and following the FCRA in verifying those facts with XXXX XXXXXXXX.

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 2019-07-02 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: IL

Complaint narrative:
I have informed Equifax by several disputed in the past that the accounts that they are listing on my credit report do not belong to me. I have explained that I have no knowledge of the following accounts for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, there is also accounts listed for XXXX XXXX XXXX ( two accounts ). There are two addresses listed that I have never lived at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX Also there are several inquires that they refuse to do anything about they say contact the companies I did the companies say contact them this has been on going back & forth & back & forth again for these XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXa XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: GA

Complaint narrative:
Hey My Name Is XXXX XXXX and Im just trying to figure out whats the best thing to do. Ive been in XXXX  XXXX for the pass 7 years with no way to access my social security card nor the number. Last year I tried to apply to College and I had to complete the FAFSA application in order to meet the requirements for other loans that XXXX XXXX had to offer. I couldnt even get pass my account to work because Financial aid thought something was going on. I talk to a lady at XXXX XXXX and all they want to do is for you pay. I dont think its fair for me to pay for something I didnt put on my credit.

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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I have went to XXXX apartments and talked to the owners they are willing to clear up everything but no one is returning her phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: KS

Complaint narrative:
took my ftc off and added as a debt collection fcra violation XXXX  and transunion 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 2019-07-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Currently have a security freeze on my Equifax report due to past fraudulent activity. Between XXXX XXXX, 2019 and XXXX XXXX, 2019, I have had six hard inquires that were not authorized nor notified by the companies that this inquiry was taking place. 

On XXXX XXXX, 2019 after being notified that these inquires had taken place, I contact Equifax by telephone and talked to XXXX ( customer service representative ). This person could hardly speak English and begin to ask verification questions which were all answered correctly. At this time, he refused to help me and was told that I had to contact all the companies. 

This is why I have a security freeze on my Equifax credit report so that these types of issues do not happen and yet it still happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: WA

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 4 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from 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
Consumer complaint received 2019-07-02 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: WA

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 4 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from 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 explanation
Consumer complaint received 2019-07-02 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: KS

Complaint narrative:
took my ftc off and added as a debt collection fcra violation equifax and XXXX XXXX XXXX inc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Company stated that I was responsible for the charges and I asked the company to send me a copy of my signature so that I can see when I applied for this card up to today I havent received that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
I have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XX/XX/2019 I reached out to each bureau ( TransUnion, XXXX, & XXXX ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed from 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 explanation
Consumer complaint received 2019-07-02 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 have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XX/XX/2019 I reached out to each bureau ( XXXX, experian, & XXXX   ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed from 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 explanation