vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Called Experian file an dispute. The balance on my XXXX XXXX  account is XXXX. After the dispute result Experian said XXXX claim the balance is XXXX as of XX/XX/2019 this is not true. This has affected my credit rating very badly.

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 2019-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
I have a loan with lending club. First off, you should take a look at their banking info process ( adding my account ) It requires autopay and they have ( 2 times ) accepted my one time authorization over the phone and then fraudentently enrolled me in auto pay, resulting in OD fees with my bank. 

After I was 3 weeks late on a payment they " outsourced '' the loan and said I can not pay partial, only full payment to them. I called the outsourcing company who said they'd authorize a partial payment, it's been an entire week additional that they haven't drafted the funds, which now makes me worry that I am being reported without given the proper opportunity to reconcile the late payments as I'm a student working nights. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I talked to XXXX XXXX at PNC I never opened an account with this Bank and they are charging me XXXX dollars to close it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 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: FL

Complaint narrative:
There are several closed accounts that only Experian is reporting as late every month they are as follows : XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX I will attach the reports from XXXX  and XXXX showing that these account do not report every month SINCE they closed.

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 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I opened this new line of credit with Comenity Bank to purchase some furniture with XXXX XXXX. My first payment started on and was due XX/XX/2019. I sent payment out on XX/XX/2019. This payment was processed on XX/XX/2019. I was charged a penalty and late fee. I called company and was told there was nothing they could do. Next payment was due on XX/XX/2019 I sent payment earlier on XX/XX/2019. Bank shows payment was received on XX/XX/2019, payment wasn't processed until XX/XX/2019. I was charged more penalties and late fees. Called company and was told nothing they could do I would just have to pay. Next payment was due on XX/XX/2019 I sent a payment that was returned on XX/XX/2019 without explanation. sent another payment on XX/XX/2019 bank shows delivered on the XXXX company again processed on XX/XX/2019 charged again penalties and late fees. Called to speak with a supervisor and was told either pay or be sent to collections and she was not going to do anything about it and if I didn't like it then maybe I should be more responsible about paying my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE RE-INSERT ALL MY XXXX XXXX  ACCOUNTS BACK ONTO MY CREDIT REPORTS, ALSO, GET A HOLD OF YOUR XXXX REPRESENTATIVE TO ASSIST YOU IN THE MANUALLY RE-INSERTION OF SAID ACCOUNTS. I NEED A LETTER FROM THEM AS SUCH. THE CREDIT FURNISHERS AND XXXX   IN DISRUPTING THE FABRIC OF FINANCIAL CREDIT APPARATUS, TRI ANGLE OF THE INDUSTRY IS AT STAKE, CRA-CREDITORS-CONSUMERS. FINALLY THE DODD FRANK ACT AND XXXX XXXX SINCE XX/XX/2015 HAS VIOLATED THE F.C.R.A. ( FACT-ACT ) AND 15 U.S.C. Section 1681g.

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 2019-11-13 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: ARS National Services, Inc.
State: AR

Complaint narrative:
XXXX  XXXX XXXX SOLD TO ARS REF XXXX AND WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY XX/XX/XXXX, DISCHARGED XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: GA

Complaint narrative:
XXXX, XXXX, EQUIFAX AND XXXX  CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: GA

Complaint narrative:
XXXX, EXPERIAN, XXXX AND XXXX CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH 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 2019-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I recently received my statement of activity regarding my Escrow Account from LoanCare. There were some interesting transactions so I called the customer service number provided on the statement for assistance. Once again, the customer service is terrible. The representative was unable to answer my questions or refer me to someone who could answer my questions. Based on my experience, this seems to be a trend with LoanCare. Here are my questions : For the month of XXXX, an escrow payment occurred in the amount of {$1200.00} described as FHA monthly transaction. This amount seems greater than a typical monthly amount. I would like to learn the detail and purpose of this transaction. Please provide me the contact information for FHA. 

For the month of XXXX, there were two escrow payment transactions in the amount of {$41.00} each described as FHA monthly transaction. I'm assuming this was because the XXXX FHA monthly transaction was missed according to the statement. Why was the XXXX monthly payment not submitted timely? 

For the month of XXXX, there is a transfer balance in the amount of {$230.00}? Where did the transfer balance go? An explanation was not provided.

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 2019-11-13 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: GA

Complaint narrative:
I was paid by two ( 2 ) people using PayPal. The money was received by PayPal. I have what I believe is considered a business account with PayPal. To receive my money they required me to link my business checking account. I entered the information, and it was confirmed by PayPal. 

However, despite doing everything PayPal has asked me to do on their website or on the phone, I have not been able to withdraw my money. The amount I am trying to withdraw is {$1200.00}. I have not received anything but error messages on their website and no help when calling them. Over the past few weeks, I have done everything PayPal has asked me to do. On the phone they have repeated admitted to problems with their systems. They only suggest things that do not work. They even tried to get me to send the money to a XXXX using their phone app, which is not an available option for my account. 

At this point, I am running out of options, short or making official complaints and suing PayPal ( I am an XXXX, and will do this if necessary ). Thank you - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
BANK OF AMERICA SOLD TO XXXX XXXX XXXX AND WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY XX/XX/XXXX, DISCHARGED 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 2019-11-13 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: MD

Complaint narrative:
I have contacted Experian on the chapter XXXX bankruptcy that is currently on my credit report. Experian previously processed this dispute and claim to have verified the bankruptcy. Base on the documents that was provided the Bankruptcy should have been remove from my credit report. Please advise this company as to FCRA law in regards to having to investigate all disputes. I challenge the accuracy, compliance and reportability of this listing.

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 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I visited XXXX in XXXX to look for XXXX season tickets. I found some I wanted and called the phone number on the ad ( XXXX ) XXXX and we agreed to meet in XXXX Texas. While I was on the way he called to say he couldnt meet but that he could walk me through using XXXX. He said I owed him {$1500.00} for four tickets and to ease my mind I could XXXX him {$500.00} and then he would send me two tickets and then I could XXXX the remaining {$1000.00} after I got the first two tickets and he would send me the last two. He even said fraud happened to his daughter once and Wells Fargo immediately gave the money back. 

I signed up for XXXX on my Wells Fargo account and loaded in his information. It came up with a XXXX XXXX. After I sent the {$500.00} he called me and said " did you know you can only XXXX one {$500.00} transaction a day? '' and he hung up on me. When I tried calling back the line was dead. I immediately called Wells Fargo and they said they would open a claim. Weeks later I got a letter from Wells Fargo saying the claim was closed because the money was already sent and processed by XXXX XXXX XXXX account. 

I called Wells Fargo and asked them why they closed the claim and they said when someone uses XXXX it is instantaneous and if I authorized the transaction, there was nothing Wells Fargo could do.

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 2019-11-13 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: IL

Complaint narrative:
My account with XXXX went into collections in XX/XX/2019 in which XXXX sold the debt to XXXX ( a collection agency in TX ). But XXXX continues ( to this day ) to report that I owe a balance, a past due balance and late payments. Although they no longer own the debt as of XX/XX/2019. XXXX reported the debt to the credit bureaus ( meaning the debt was reported twice on my credit report - once as a collection and once as a open loan that was past due, late and I owed a balance ). 

I paid off the debt with XXXX on XX/XX/2019. XXXX is reporting a zero balance owed on the debt but XXXX continues to report the debt past due, late, and that I owe a balance. I've been trying to dispute this debt with XXXX since XX/XX/2019, since they no longer own it and they should be reporting a {$0.00} balance, but they continue to update my credit report to show I owe them money and that I'm past due with them.

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 2019-11-13 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:
I never had this accounts, never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-13 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:
Please assist me in getting the following items corrected on my credit report : XXXX  and Equifax is reporting my birth year incorrectly as XXXX. My correct birth year is XXXX. My birth date is XX/XX/XXXX. 


Incorrect Address : XXXX XXXX XXXX, Incorrect Address : XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Employment : XXXX  XXXX  XXXX Correct Employment Name : XXXX XXXX  XXXX The following Accounts does not belong to me. Please remove from my credit file : XXXX  - XXXX that was opened XX/XX/XXXX XXXX  XXXX  - XXXX with a balance of {$33000.00} ; Incorrect Balance : {$33000.00} Incorrect State : XXXX  XXXX XXXX  Incorrect Monthly Payment : {$11.00} Incorrect Status : Late 120 days XX/XX/XXXX - XX/XX/XXXX ( Please tell me how this is possible..120 days every month..would the days late increase? ). This is not my account. All of a sudden since I have been disputing that this account does not belong to me and all of the information is incorrect, now it is showing I am up to date. 

Correct Balance : {$11000.00} Correct State : North  Carolina  Correct Monthly Payment : {$120.00} Correct Status : I was never late between XX/XX/XXXX - XX/XX/XXXX Unauthorized Inquiries reporting on my credit file : - XXXX  - XXXX XXXX XXXX  - XXXX - XXXX-XXXX  - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX  - XXXX  - XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX  XXXX XXXX  - XXXX  XXXX - XXXX  - XXXX - XXXX  XXXX  - XXXX/XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was offered a {$800.00} Amex card from XXXX  as a purchase incentive in XXXX. At that time, Amex told me that there will be no charges and card was valid until XXXX. When I tried to used the card this month, Amex has improperly deducted funds. They say they have levied a charge of {$3.00} every month for past 20 months. This seems very suspicious and deceptive practices for click and bait schemes. No such information was given on my first call with them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc
State: NC

Complaint narrative:
I moved out of the apartment in XXXX/ XX/XX/2017. I made {$100.00} payment in XXXX or XX/XX/2017. The original amount was over {$2000.00} so obviously a payment had been made ( exhibited on XXXX  credit report ). XXXX, the property manager told me that they no longer own the debt, therefore, how can they legally come after me? I reached out to her since I didn't trust Hunter Warfield. If only the original debtor can charge interest/ fees how is it mentioned in the summons if the property manager is alleging that they no longer own the debt? I also noticed the form was notarized in Tennessee. Thirdly, Hunter Warfield is reporting several discrepancies/ amounts across all three credit reporting agencies, this alone is grounds for removal. Also, when I called Hunter Warfield, they advised me that they can no longer collect on the debt, so why is it reported if they no longer own it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: IN

Complaint narrative:
I filed a dispute with Equifax on XX/XX/19 because duplicate accounts were showing on my report. These accounts had been oopene with the US Department of Education and had been transferred to XXXX. Rather than showing as a transfer, Equifax showed these as separate loans. Some of these accounts were also not indicated as being closed even though a XXXX balance remained. One of these accounts showed as being deferred and having a balance of XXXX. The result was that my credit score was damaged and 44 points lower on Equifax compared to XXXX. The dispute was resolved according to Equifax on XX/XX/19 but only one account had been changed to closed. The dispute form stated I should contact the loan provider to have them correct the issue. XXXX shows the status of my loans correctly, meaning the issue lies with Equifax. I called Equifax on XX/XX/19 and had to provide their automated system my address, SSN, etc. I also had to provide the automated system information about the accounts I had open ( ex. mortgages ). After 10 minutes I was finally transferred to a customer service agent. This agent made me provide all this information again. He also stated that he had changed my dispute so the one loan showed as not being deferred. I checked the account and it had not been changed. When I brought this up to the agent, he proceeded to act like he could not hear me. At this point I had been on the line with him for over ten minutes without a single service issue. Nor have I had issues calling other people in the same location. This agent lied to me twice and did not solve the issue.

Company response to consumer: Closed with explanation