vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX is currently reporting to two credit bureaus, Experian and XXXX. I've made all of my payments on time, as well as kept my balance low on this card since I opened XXXX XXXX. I advised this company that I do not own a printer and they insist that I send them a blank copy of my report showing that they are not reporting to XXXX. I also am not welcomed to going to a public library at this time as I have kept my word by paying my fees for credit card and any balances on time. My credit score for transunion is XXXX and for XXXX XXXX at this time which is tremendously different at eyesight. This is not fair to me as a consumer and false advertisement. XXXX claims to report to all three bureaus regardless of what the miscommunication is between the companies, I don't feel that this is fair reporting.

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 2021-10-30 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: NY

Complaint narrative:
I have been using PayPal for over 10 years and suddenly they are emailing me saying I can no longer do buisness with them and that I have violated their terms. In the email they sent they did not specify what terms I have violated as I use PayPal to recieve money through selling products on Stock X and I use it to pay some subscriptions such as XXXX and XXXX eats and sometimes to purchase products, nothing illegal or fraudulent. I do not use my PayPal for any thing other than those that I have stated and they have not explained to me the reason why they say I can not do buisness with them. This is frustrating as I use it to make extra income please get back to me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft ; I have mailed police report, identity theft report and proof of ID to Experian to dispute unauthorized inquiries reporting to my credit file. I have an extended fraud alert that prevents accounts being opened in my name but it does not protect against the inquiries from the attempts

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 2021-10-30 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Th auto loan hard inquiry was NEVER authorized by myself. I ONLY gave consent to XXXX XXXX Auto Fianc to obtain a copy of my credit report per a pre-approved offer.

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 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I tried to apply to Capital One for a first-time credit card and got denied multiple times for months and I can not figure out why. My boyfriend got approved and we have the same background credit-wise. Nothing on either of our credit backgrounds. So I got the Capital One credit wise app to see if it could tell me what was going on and it did not. When i attempt to check my credit score it says Looks like you are still establishing credit. On my XXXX report it says i have nothing negative, nothing new, nothing disputed, and no notes. When I apply got credit cards ( Ive tried multiple companies ) they do those identity verification questionnaires where they list some addresses and ask you to pick which one is a past residency of yours, or where you have an auto loan out, or when you got a mortgage out. Each question has four answers. Every single one of them, until I most recently got an apartment, had questions that I couldnt answer so I would get denied. I finally got the explanation letters in the mail explaining why I got denied and they all said fraud detected. I dont know what to do anymore. I dont understand how my report says nothing but all these things that I dont have answers to pop up on those questionnaires. The only question I ever got that I could answer was when I applied for this deposit assistance program, Jetty, and it was set up the same way but one of the questions ( I think it was three questions total ). The question was a past residency and I got the answer right because it was actually a question I knew! None of the others were information I had! Like auto loans from XXXX or a mortgage from XXXX?? It might be the other way around but in XXXX I was 14 and in XXXX I was XXXX!! How does that possibly make sense? Im just struggling to qualify for a credit card anywhere and I dont understand why. I have multiple friends in the exact same situations and everyone has gotten approved : ( I dont know if it could be the case but the only answer I have is fraud? Maybe identity theft? I dont know what it could be and I really dont know what to do at this point. I need help NOTE : Once I am contacted I will submit my ID and social security license to whomever I speak with to prove my identity. If needed I am pretty sure I can also provide my birth certificate ( my mother hasnt given mine to me yet, I can get a copy if needed though ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Debt was paid at settled amount. Still be reported as closed, unpaid and a charge off and not deleted. XXXX credit report. Also inaccurate late payment date.

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 2021-10-30 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: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
Th auto loan hard inquiry was NEVER authorized by myself. I ONLY gave consent to XXXX XXXX Auto Fianc to obtain a copy of my credit report per a pre-approved offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Paypal has placed {$660.00} of my funds into a reserve account with no explanation, notice or justification. We have been a client since 2006 with no issues, changes or problems which justify holding our funds. We demand the funds be released to us immediately. 
They have not provided any help or been responsive to our complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 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: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I was a victim of fraudulent activity when someone took out 2 loans under Moneylion using my information. The loans were for the amounts of {$930.00} and {$930.00}. I immediately reached out to the company to dispute these loans and report them as fraudulent. The company claimed to have closed the loans but these loans still show up as unpaid and not closed, which is affecting my overall credit. After, I was unable to get Moneylion to resolve this issue, I contacted XXXX to dispute these loans through them. XXXX was not able to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: MI

Complaint narrative:
I have a loan with EDFINANCIAL I have always made my payments on time. For some reason, I realized that there were 90 and 120 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately 1. EDFINANCIAL XXXX Opened XX/XX/XXXX Balance {$56000.00} ; 2. EDFINANCIAL XXXX Opened XX/XX/XXXX XXXX {$25000.00} ; 3. EDFINANCIAL XXXX Opened XX/XX/XXXX Balance {$69000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
In XX/XX/2021, I discovered quite a bit of charges made to my account which caused for me to dispute certain items. I contacted my bank and filed a complaint with CFPB. While this investigation was taking place I had very little activity on my account. After the complaint was closed I locked my card so that I could have very limited activity on my account until I was able to review my account again. Recently, I have to come to discover my bank account continues to grow into a large negative balance. So on XX/XX/2021 at XXXX XXXX  I contacted Bank of the West to inquire about fees on my account when I have not used the account. There were two  recent charges to my account in which I explained that I cancelled membership on this account way back in XX/XX/2021 and was unaware of these charges. Advised representative about noticing deposits on my account and on or after the deposit I keep getting charged fees which ultimately are resulting in my account being charged fees on top of fees. Representative stated she was unable to see what item or transaction the fee was for but it was for something. I asked to have someone call me and go over account with me and she stated that I needed to go into a branch to discuss my account. Advised the nearest branch is over 60 miles away and that was the only option I had. Disputed those charges AGAIN on Bank of the West account. Contacted CFPB to investigate my fees AFTER deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted Transunion on XX/XX/2021 in regards to inquiries they were reporting on my credit report. 

Transunion did not respond to my letter nor delete these inquiries. 

Please see attached proof.

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 2021-10-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I discovered the following company ( s ) ran an unauthorized inquiry on my consumer profile on this date : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX In addition I have a total of 10 inaccurate late payments reporting from XXXX  from XXXX. I have requested the late payments and their amounts be verifiedbe removed in a previously submitted CFPB complaint and letter to XXXX, Equifax and XXXX yet this issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This must be addressed immediately. Equifax has wrongly updated old student loan accounts as new missed payments appearing monthly as new damage when they have been charged off for a decade and should not even be on the credit report at all! 

The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report as missed payments for each month. According to the FTC, they must be removed as they are too old to be on file. 

Remove these from my XXXX credit report immediately. 

U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: PA

Complaint narrative:
I discovered the following company ( s ) ran an unauthorized inquiry on my consumer profile on this date : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX addition I have a total of 10 inaccurate late payments reporting from XXXX  from XXXX. I have requested the late payments and their amounts be verifiedbe removed in a previously submitted CFPB complaint and letter to Transunion, XXXX and XXXX yet this issue has not been resolved.

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 2021-10-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered the following company ( s ) ran an unauthorized inquiry on my consumer profile on this date : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XX/XX/XXXX In addition I have a total of 10 inaccurate late payments reporting from XXXX  from XXXX. I have requested the late payments and their amounts be verifiedbe removed in a previously submitted CFPB complaint and letter to XXXX, XXXX and Experian yet this issue has not been resolved.

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 2021-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX, XXXX, and XXXX. Despite sending them the last letter, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : XXXX. XXXX XXXX XXXX XXXX Date Opened XX/XX/2004 Balance 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 2021-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX. XXXX XXXX XXXX Date Opened XX/XX/2004 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 2021-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
Not able to talk with people in right departments to get answer regarding funds being held by them. Lady keep hanging up on me and telling other employees to do same after they transfer me to right department. Never get any answers regarding covn 19 forbearance or way Im being charge extra late fees, etc after being sign up for same.. no tell me when it ends and how I go about getting extended

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: CA

Complaint narrative:
Hi I would like to ask help on this matter with Equifax because so many times I try to XXXX and also I wrote a letter to this creditor for I dont have any score from them and I request the file from them as well but they did not help me and the reason was because recently I did not have any credit and also they were saying theres no activity more than 10 years and theyre saying it doesnt show that Im leaving in US they dont have my Social Security number but this is absolutely wrong because I wrote them a letter with my Social Security my identification with two major also billing address and my current address and also when I apply for any credit even secure they said based on Equifax Report we can not approve you I would like to address this matter since they are not helping me I appreciate it sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: VA

Complaint narrative:
Ive tried numerous of times to get the credit reporting agencies to remove the incorrect information from my credit report. All of the information and unknown collections and closed accounts appear on my credit report and never been removed. The negative incorrect information caused damaged to my credit and life can you please fix this problem. Once again Ive reached out to all of the credit reporting agencies and they have failed to correct my credit report this makes it hard for people to make a honest living. Especially when the credit reporting agencies are reporting incorrect information without the proper investigation. This needs to end immediately!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation