vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-09 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a loan with CB/VICSCRT and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CB/VICSCRT and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a loan with XXXX/XXXX and WELLS FARGO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  and XXXX and WELLS FARGO with no successful resolution. There was definitely an error on their part.

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 2020-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I made a transfer from Goldman Sachs USA and the receiving banking institution claims they never received it yet the banking receipt shows it was received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: CA

Complaint narrative:
I am Veteran, and I was about to close my mortgage with the lender upcoming week. 
Lender told me on XX/XX/XXXX, that They weren't successful in getting my credit score only from Equifax. They said that the account is locked.

As of XX/XX/XXXX, I checked online and called the customer service to see the reason why my account is locked automatically without me knowing. 
Got on the automatic voice call, and the voicecall told me that they can't verify my address through questions. However, I have only moved three times in California, and I tried every single address, they said it's not valid. So following their instruction, I faxed, and mailed priority with my ID documentation ( passport, Social Security number card, pay stubs with SSN, W-2 with SSN ) and sent my address verification ( utility bill with correct address, w-2 form with  correct address ). 
The voice told us to wait 10-15 days. we did. 
after 7 days, we got a letter through mail that the documents we provided was incorrect or is hard to achieve. Didn't quite understand because we've sent everything possible even private document that was high-res photocopied. 
we called the supervisor and the customer service again, first time, the representative heard what our problem was, and hung up on me. 
second time I called, the representative said the same thing. to send over fax and mail. 
we faxed again about 5 times last week. Still nothing. 
This is going to be problem in future no matter what, because simply, the company can't even verify who I am, but they automatically locked me out because of their breach at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I just need a new unemployment debit card

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 2020-08-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$4300.00}, {$1600.00}, {$4500.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- CLOSED ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$4300.00}, {$1600.00}, {$4500.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- CLOSED ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I deposited my stimulus payment and Soc.Sec. disability check along with some extra that I'd saved ( {$2200.00} in all ) to my Paypal, account and within 2 weeks it had all just disappeared from my account. No explanation as to where it went or why. After much time and freaking out, I looked like it had been sent to XXXX XXXX, and then XXXX XXXX, and then even XXXX ( with several other places in between ). I received 2 Visa cards which had no dollar amount of how much they were worth, and hints about activating them and using them on cash.app. I'm XXXX, and I barely know how to use my XXXX, and it's too old to even download a XXXX XXXX. I complained to XXXX XXXX XXXX and they made a claim to XXXX XXXX, which I'd never even heard of, but I think that Paypal is responsible for 'losing/stealing ' my money. I'd had my account there since XXXX, and this really shocked me, that they would do this. I really need that money back as it is all that I have. I had signed up to have my government check directly deposited, and the very first month, it was taken (  on XX/XX/XXXX - in 2 withdrawals, one for {$980.00} and one for  {$1200.00} ) I have gone round and round with Paypal, but for the most part they just play dumb- they even told me they didn't know where they sent it! Before I noticed that it was gone, I tried to buy a couple birthday presents for my grandaughter, and my card was turned down. Those and a couple more attempted purchases, and my credit is now plummeting. There's no way they can truly make this up to me, but they could at the very least GIVE ME MY MONEY BACK. And, by the way- because they accepted my SSDI check in a direct deposit and then stole it, it needs to be reported to Social Security- along with my stimulus check. I've also questioned XXXX XXXX, XXXX XXXX, and XXXX, and no one seems to know anything! I've never heard of anything so openly crooked in my life! The image I'm attaching says " instant transfer using card ''!! MY CARD?! What business did they have even being in my account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09 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: CO

Complaint narrative:
My account XXXX There's {$120.00} in it.I need to withdraw money. My account has been more than 180 days since the last payment, but there are still some restrictions that prevent me from withdrawing money.When I withdraw my money Tip : Sorry, something is wrong. Please try again later. Please help me deal with it, thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09 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: CO

Complaint narrative:
My account XXXX There's {$150.00} in it.I need to withdraw money. My account has been more than 180 days since the last payment, but there are still some restrictions that prevent me from withdrawing money.When I withdraw my money Tip : Sorry, something is wrong. Please try again later. Please help me deal with it, thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09 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: CO

Complaint narrative:
My account XXXX There's {$180.00} in it.I need to withdraw money. My account has been more than 180 days since the last payment, but there are still some restrictions that prevent me from withdrawing money.When I withdraw my money Tip : Sorry, something is wrong. Please try again later. Please help me deal with it, thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09 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: NC

Complaint narrative:
I have paid off several debts on my credit they have not been removed, old information keeps appearing. I will post a copy of my credit report with receipts showing that they where paid in full yet they keep appearing Paid in full yet won't remove XXXX XXXX All federal student loans XXXX paid in full XXXX XXXX XXXX XXXX XXXX XXXX loans paid in full founder 's federal credit XXXX paid in full through 3 part  collections XXXX My public health information keeps appearing which I paid yet is also a violation to my hippa rights this needs to be removed

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 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$4300.00}, {$1600.00}, {$4500.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- CLOSED ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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:
The company sent a letter stating they were stopping all collections on this account and it has been deleted from XXXX and XXXX but experian will not delete the account falter submission of the letter from the creditor and proof that it has been deleted from the other credit bureaus. Also submitted proof that other collections accounts have been deleted from my XXXX and XXXX reports but experian still has them on my report which is keeping my score 50+ points below what the other reporting agencies have. Ive submitted this prof in a dispute To experian and theres still no Change

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 2020-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
In XX/XX/XXXX I applied for and received a loan from rise credit for {$1500.00}. Shortly after receiving this loan I noticed the fees/interest/charges that would result in me having to pay the company back over {$3000.00}. I contacted the company to cancel my loan request and for them to take back their funding. 
At this time they scammed and lied to me explaining if I made my payments on time that my pay back amount wouldn't be anywhere near $ XXXX that was " worse case scenario '' if I paid late/missed payments etc. 
This company is PREDATORY LENDING at its finest, in addition their representatives provide false information leading consumers to believe we are actually getting a great deal. 
After making my first payment of {$190.00} every two weeks, I realized what was explained to me was not accurate AT ALL and at this point, it was too late to cancel the loan agreement. I called several times and sent multiple letters attempting to work out a FAIR and reasonable payment arrangement to which I was met with nothing but hostility and refusal. This company scammed me over a {$1500.00} loan and has been reporting to my credit in the amount of {$3600.00} IN ADDITION to this Rise Credit/XXXX XXXX was also trying to double dip and reporting two accounts on my credit report that I NEVER had using the creditor name of XXXX XXXX XXXX XXXX.in the amount of {$2500.00}. This fraudulent account was opened on XX/XX/XXXX conveniently weeks after my account with RISE was closed on XX/XX/XXXX with only a {$20.00} difference in loan amounts I have sent all of this information to RISE/XXXX XXXX XXXX XXXX XXXX XXXX, I did not receive a response, however shortly after XXXX XXXX XXXX XXXX was removed from my credit report as if they knew I was on to them, how long would this have negatively affected my credit had I not caught on to what they were doing. ( See attachment with screen clipping from credit report showing BOTH accounts. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Issues with linking my account to outside company with XXXX. This is a known issue and they just give their customers the run around about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: CarMax, Inc.
State: NC

Complaint narrative:
I have paid off several debts on my credit they have not been removed, old information keeps appearing. I will post a copy of my credit report with receipts showing that they where paid in full yet they keep appearing Paid in full yet won't remove XXXX XXXX All federal student loans Carmax paid in full XXXX XXXX XXXX XXXX XXXX XXXX loans paid in full XXXX  's XXXX  XXXX XXXX paid in full through 3 part  collections XXXX My public health information keeps appearing which I paid yet is also a violation to my hippa rights this needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: Nelnet, Inc.
State: MA

Complaint narrative:
I see several 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation