vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: UT

Complaint narrative:
XXXX XXXX  is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FC HoldCo LLC
State: OK

Complaint narrative:
abusive extremely high interest rate for vehicle loan. Company Flagship credit acceptance

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 2019-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I've been trying since XX/XX/19 to remove my previous checking account from my PayPal account. Their system repeatedly told me that it couldn't be removed since there was pending transactions against the account. I confirmed there wasn't as nothing had been pulled against that account in months but had pulled against my credit card. 

On Monday XX/XX/19, I paid for something online using my PayPal account and when asked for the funding source I chose my credit card. For some reason, PayPal charged this against my checking account ( which is being closed in 5-days ). That bank has paid the {$1.00} charge and given me a {$20.00} NSF fee. 

I contacted PayPal today XX/XX/19 and spoke to two very incompetent representatives. The first told me that I could not remove the checking account because there was a pending payment against it. When I told him the payment already cleared my bank, he had me navigate to a setting showing automatic payment authorizations to this payer and when I confirmed my screen said it was to fund from my credit card, he told me to cancel all future payments. Frustrated, I asked for a supervisor. 

The supervisor told me I have to wait 3-5 business days for that payment to clear and then I'll be able to remove the account. When I told her that I've tried for the past 3-weeks to remove this account she told me that I hadn't. When I told her I've gone through their process to link a new account but that the system goes in a loop and doesn't add it, she told me I didn't complete it. All in short of calling me a liar she didn't believe I had done what I told her. When I explained I work in software development, I understand how systems work and that theirs has an issue and requested a ticket be opened for a tech to look at this she said no. I got angry and demanded it and because of this she told me she'd disconnect the call. I told her that I wanted her name and she said " Nope '' and then disconnected the call. 

This account needs to be removed so that I don't incur any other fees and they need to fix their system. They also need to train their representatives to LISTEN to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) -- all same account name, original creditor name, but different trade lines on my credit report.. XXXXXXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX  XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 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 2019-07-25 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) -- all same account name, original creditor name, but different trade lines on my credit report.. XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 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 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: CA

Complaint narrative:
Dear Sirs : I noticed an account on my credit from a company called Tek- Collect/ Account Number XXXX. I did not have their phone number so I sent them a certified letter disputing the validity of the debt based on the information that was available to me on my credit report. 

The letter was received- however, it's been 60 days to date and the fraudulent entry remains on my credit. They have yet to contact me and or remove the unknown fraudulent entry. 

Furthermore, according to my credit report the account states the debt is for XXXX XXXX treatments .... I don't have XXXX/XXXX and no such treatments were ever rendered to me in this regard. If I would have been contacted by this institution in the begining I could have conveyed to him/her they had the wrong person. When in contrast- they placed the debt on my credit without my knowledge. I just so happened to see it on my credit reports. 

This is also defamation of character and slander. I do plan to take the matter to court immediately .... if it is not resolved in the next 10 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On Tuesday XX/XX/XXXX I XXXX ( send money through an app ) to Chase Bank to cover pending charges. My XXXX money was pending clearly showing on my statement with the bank and one hour before my XXXX was to be deposited Chase then charged me an overdraft fee when clearly seeing that XXXX was going to be posted within the next hour. On XX/XX/XXXX I XXXX another {$20.00} to cover another transaction again my {$20.00} was pending and an hour before it was to be deposited Chase charge me another {$34.00} with a grand total of {$68.00} in 48 hours. I tried to call the bank and discuss this with them letting them know I'm a XXXX patient on Social Security XXXX SSI with an income of {$770.00} a month and any kind of fees would hurt me tremendously with my medication throughout the month they did not care. As I explained to Chase Bank on my Chase Bank app it clearly shows that my money from XXXX was pending to be put in there and that it clearly shows that they charged me an overdraft fee right before my XXXX money was to go in to cover pending charges. The charges had not even went through. I have been with Chase for 15 years and I've already closed one checking account and I would like to stay with them if they can work with me but if not I will close this account as well. I would like for somebody to help me with the situation because this is a big Bank charging big fees for nothing they clearly saw that I had money coming in there to handle the pending charges that had not even went through yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified  accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX  XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX   XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR :  XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 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 2019-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nicholas Financial Inc.
State: OH

Complaint narrative:
On XX/XX/19 this company called me at my job and I told them to never call my work number again. On XX/XX/19 I received a message from my coworker telling me that some company called him on his work phone asking about him about me while I was at lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP
State: AZ

Complaint narrative:
We are in the process of selling our home to XXXX, the escrow company XXXX   has contacted Selene Finance for a payoff statement on XX/XX/2019, they were advised it would take 24 to 48 hours to " get into the system '' and 5 to 7 days to issue payoff statement. We contacted Selene Finance on Monday, XX/XX/2019  to check on status of payoff statement, they stated it had been sent out to check with the title company, we contacted XXXX XXXX at XXXX to see if she received payoff statement, she had not. XXXX XXXX contacted them once again on Tuesday, XX/XX/2019 for a payoff statement and spoke with a manager XXXX, they were to place a rush on the payoff request. As of today, XX/XX/2019 XXXX has not received the payoff statement. 

We also requested a payoff statement on XXXX XXXX, 2019, and we are waiting for the payoff statement as well. The closing date has been postponed twice due to Selene Finance not providing a payoff statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The data breach from Equifax!! That is what its about and other Data Breaches against me!!! I cant afford a lawyer for this!!! I have identity theft due to that XXXX XXXX is how it started on XXXX acct. Now I have the biggest mess ever, I cant change my SS number because of my XXXX case. I want to talk to the FBI and get my Name changed in Court!!! 
I have people trying to open up loans in my name, people selling and using my name with their pictures on XXXX, I want XXXX XXXX pay for that big mistake on his XXXX company .I asked him to shut it down and he didnt. If it really was him that I talked too!!! I want him arrested for fraudulent activity to my personal life. That is how my identity theft got started, I can get bank acct because Im a high risk to them. 
Please get me a FBI agent that I can talk to and turn over these papers to them about everything I have in this theft!!!!! My info XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX. XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have received multiple calls ever single day for 2 months. They have released my Social Security Number to me and family members. The phone # calling me is XXXX. They repeatedly tell me we are gon na call you and hang up. They say they are with XXXX  for a claim with Wachovia bank which is now Wells Fargo. I called Wells Fargo and they stated I have no claim or balance owed. They call my family members everyday. They refuse to mail the debit collection to me. They mock me on the call and disconnect. They are not releasing the call ia recorded when the call. They once released my SSN and then said call is recorded

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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reached out to all three credit bureaus via certified mail on several occasions in reference to my personal information being updated. Each month I check my reports I see that they updated my employer information but the not the rest of the information per my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My complaint is against Barclays Bank Delaware Account # XXXX, open : XX/XX/2014, status Paid and closed with {$0.00} balance and XXXX credit bureau. Back on XX/XX/XXXX I sent a letters to the mentioned companies letting them know that Im a victim of fraud and account has to be removed, as required by the California Reporting Act, due to the fact its fraud related. The fraudulent account was removed from the other 2 credit bureaus only XXXX  has not done so, making a violation to the FCRA. Im attaching the letters a sent to the mentioned companies on XXXX, with a Federal Trade Commission report that was also sent to the mentioned companies. This account has to be removed from my XXXX credit report or else I will take legal action in the event that this account remains in my report. I have a {$400000.00} mortgage loan pending due to this error of this mentioned companies. This is my last source Im using to fix this error and if it is not fix it will be resolved in court. I would also want to request a deletion letter from Barclays Bank through CFPB portal as soon as possible to provide to mortgage company. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: MS

Complaint narrative:
The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX XXXX XXXX DEPT OF ED/XXXX , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reached out to all three credit bureaus via certified mail on several occasions in reference to my personal information being updated. Each month I check my reports I see that they updated my employer information but the not the rest of the information per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have reached out to all three credit bureaus via certified mail on several occasions in reference to my personal information being updated. Each month I check my reports I see that they updated my employer information but the not the rest of the information per my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: MS

Complaint narrative:
The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX XXXX , DEPT OF ED/XXXX , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/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