vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1100.00}

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 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: KY

Complaint narrative:
Unfortunately I completed an on-line survey which kept popping up, and wouldn't allow me to proceed to a website I was attempting to access. The survey advertised receiving a free gift card upon completion. 
I received email notification the day after ( yesterday, XX/XX/2020 ) advising me that my " Netspend Card '' ending in XXXX ( which is a prepaid Visa ) has been shipped and is on its way to me. I will not activate it, but will shred it and contact Netspend to have the account canceled, hopefully. 
My question, is this- is Netspend a scam/fraud? Should I be locking down my credit or flagging it? 

Netspend XXXX. XXXX XXXX XXXX, TX 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 2020-03-10 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: NH

Complaint narrative:
On XX/XX/2020 I received a payment from XXXX XXXX XXXX in the amount of {$4300.00} via Paypal. I then took {$2000.00} of the amount previously mentioned and sent it to my wife via Paypal. After that transaction was completed, I tried transferring the remaining balance which is {$2300.00} to my personal account and was constantly denied. It then said I was going be advised " within 24-72 hours '' ( something along those lines ) of what next steps to take to complete the transfer. Once i checked the mobile app after about 48 hours to see if it was ready, it stated that my account was closed and they would be holding my remaining funds for 6 months in the event of any charge backs. I would have been more understanding if I had received charge backs in the past which to this day has never happened. The person who sent me the payment offered to do an affidavit saying they would not be requesting any charge backs since I had already provided the services they had payed for. I am a consumer who teaches online and depend upon platforms such as Paypal, XXXX, XXXX, Venmo and others to support myself and my family. My wife 's account was also closed receiving the {$2000.00} mentioned above. I always provide the services I offer on our personal platforms. The balance of {$2300.00} is still there on the Paypal balance but i can ' t access it, as a consumer I am very disappointed by this action Paypal has taken towards me without reason. I spoke to a rep of theirs and explained what was going on and was brushed off once I told her I would be filing a complaint with Consumer finance protection bureau and she stated I can do whatever I wanted and they would still hold the funds for up to 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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:
It seems this account is from XXXX. I have never opened nor applied for anything thing with this company. I've tried to dispute with this company on several occasional letting them know I don't owe them for an account that don't belongs to me. I have even called this company several times but never able to get a hold to anyone, the phone disconnect after it ask to enter your phone. I have never applied nor received anything from this company. For years this company has been reporting {$310.00} to Equifax, {$170.00} to XXXX, and possible unknown amount to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have found myself in the midst on an identity theft issue that has effected a credit report. a couple accounts were opened and inquiries added, although i know i have not applied or tried to open any new accounts XXXX XXXX XXXX  on XX/XX/XXXX with an XXXX balance is not an account i authorized. ROUNDPOINT MTG opened on 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 2020-03-10 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have been trying to dispute this inaccurate late payment with comenity bank for months they are reporting that i have 1 missed payment in XX/XX/2019 and they still wont change the inaccurate reporting. My consumer report shows that i have a 30 day late payment when i have never been late on my comenity bank XXXX account i have called and spoke with multiple comenity bank employees who assured me that they would fix the error but they never did. I have a {$4000.00} limit with comunity bank which is paid down to a zero balance i have been nothing but patient and a good business partner with comenity bank and they still choose to report inaccurate information on my consumer report which is harming me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
My mortgage payment due by XX/XX/XXXX was received by Flagstar Banks lock box on XX/XX/XXXX. As of Monday, XX/XX/XXXX, my check XXXX for {$1200.00} had not been posted to the acct nor had the check cleared my checking acct. XXXX with XXXX. She said she would have someone in Cash Applications call me to discuss. As of XXXX today, I have heard nothing.

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 2020-03-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX/ XXXX XXXX XXXX XXXX REPORTED MY CARD AS 30 DAYS LATE, MY ACCOUNT WAS NEVER PAID THIRTY DAYS LATE. I SPOKE WITH A REPRESENTATIVE NAMED XXXX WHO TOLD ME TO DISPUTE THE CLAIM WITH THE CREDIT BUREAUS BEING THAT I WAS NEVER LATE. I REPLIED AND STATED THAT THIS COMPANY SHOULD CORRECT THE ERROR NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: AES/PHEAA
State: TN

Complaint narrative:
In XXXX of XXXX I received a call that my student loan account was past due {$200.00} and needed to be paid. I never received a phone call or email until after the account was past due. I called Fed loan services and explained this to them and I was told that they sent me a notice through their online portal. The problem with this is I didn't even know the portal existed so had no way of knowing my loans were due. Fed loan refused to change the late payment statuses on my accounts. I was also unaware that my student loan was not simply one account but multiple accounts from different loan years. Fed loan also did not defer my payments for the first six weeks of XXXX even though I am a current student. The problem with these late payments is that I was never properly informed they were due until it was to late. I am in the process of buying a house and now that Fed loan is reporting my accounts had late payments I can not get a housing loan with any late payments in the past twelve months. All because of me not being contacted until the payments were past due of {$200.00} I am being denied housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have previously disputed this account yet delinquencies still reflecting on the account. This account is enrolled in autopay so there should be no reason for reported delinquencies. I attached the screenshot of my payment that is enrolled in autopay and confirmation email that the payment was received. The reported late payment should be removed from my report immediately. I am requesting that the error be investigated and corrected.

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 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a new Citi Aadvantage Platinum Select card a couple of weeks ago and tried to use it and it was denied. Had to pay a {$7.00} atm fee to make the purchase and opened the Citi app and it said something was flagged for fraud. I called the provided number and the representative asked for a landline to call. I do not have a landline phone and they also asked if I had a Citi checking or another Citi credit account, which I do not. Finally, they asked if they could contact my work number which is not possible since all of our work calls go to a general switchboard. 

After these options were exhausted they stated that they would be mailing me a letter for verification and that will take 7-10 business days. They would not accept any other form of verification and now I am left without access to my account for this amount of time and can not even see what he possible fraud may be to take action. I asked to cancel the card and they said I was unable to do that at this time due to the fraud alert.

It is unacceptable that I can not know about the details of potential fraud and can not verify my identify without having a landline ( which is really common now ) or having another account through their bank. I attempted to speak with a supervisor but was not connected and the employees I spoke with would not give any identifying information I could share with a supervisor about the treatment. 

Now I have potential fraudulent charges on an account that is less than a month old that I have to wait almost two weeks to resolve. CitiBank has terrible customer service and puts your financial and personal data at risk by being lax enough that somebody was likely able to breach an account that is less than a month old and then blocking their customers from being able to take action.

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 2020-03-10 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: FL

Complaint narrative:
XX/XX/2020 I was informed that I had fraudulent accounts opened in my name by my credit monitoring service. I went onto each of the three credit reporting services and entered a " Fraud Alert '' on each. While on EXPERIAN website, I also noticed that they have someone elses email address on file under my social security number! That was very alarming! 

I tried contacting every phone number on their website, from XXXX searches, and ever using my credit monitoring service to help - absolutely no success as you just can not get a real human being on the telephone no matter what question you are asking. Every phone number leads you to a voicemail system that only asks a couple questions and EVERY SINGLE QUESTION leads to disconnecting your call at the end. No option for an operator, even tried selecting other numbers or using " operator '' or " customer service '' voice prompts - but nothing! 

Then, to top it all off, there is an option to " Upload '' documents to Experian for their review. Great, i thought! Went through that process only to be told that my " session has expired - try again ''. Tried at least a dozen times, no success. 

It is amazing that in this day and age, you can't get a person on the phone to ask a question or get directions. Not even an email address to send a question to. 

I need help and just can not get it from Experian and am worried that someone has stolen my identify and will remove any fraud alerts I have setup on my account because they now have full access to a fake email address that only Experian can change. 

PLEASE HELP!!!!

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 2020-03-10 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: MI

Complaint narrative:
Ive been disputing inaccurate information about me on my credit report. 
Experian and XXXX  Both reporting inaccuracies. Ive disputed twice and still reporting verified.

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 2020-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Ive been disputing inaccurate information about me on my credit report. 
XXXX  and Transunion Both reporting inaccuracies. Ive disputed twice and still reporting verified.

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 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Requesting Payment History for XXXX Wells Fargo Home Mortgage purchase my mortgage in XXXX of XXXX and increase an original mortgage of {$330000.00} ( XXXX ) to XXXX which cause me to go into default in XXXX after becoming unemployed. 

I was placed on a Forbearance program for that period I was unemployed in XXXX, and I sent my unemployment check every two week ( {$480.00} ) to Wells Fargo during the time. I was rein-employed in XXXX and started making regular payments. 
On my XX/XX/XXXX Statement payment due was {$7900.00}. 
YTD Summary Unpaid Unpaid Principal Bal XXXX Unpaid Second Principal Bal XXXX ( Buy-back Loan ) I worked the entire year of XXXX ; however ; I am not sure if I was allowed to pay mortgage because the foreclosure process had started. 
In XXXX I gave Wells Fargo {$32000.00} through the District Court, and I did not see a change in my mortgage default. 
I have been requesting a Payment History from Wells Fargo for Three ( 3 ) Months and I have yet to receive the PAYMENT HISTORY for 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 2020-03-10 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: ID Analytics, Inc.
State: CA

Complaint narrative:
This is the information fom my first complaint that was closed with no resolution : I submitted a fax requesting a freeze be put on my consumer file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. 

Since then I have called on a daily basis and have left more messages than I can remember. I resubmitted my information by fax on XXXX and still no response from SageStream LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Aargon Agency, Inc.
State: NH

Complaint narrative:
i am not a credit user. only had one card in my entire life and its no longer active. there are many collections appearing on my credit report from places i have never heard of. someone ha taken my identity to falsify these accounts

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 2020-03-10 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: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
I've recently checked my credit report from XXXX  and XXXX and I was shocked to see a previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX XXXX XXXX fraudulent account ( Acc no : XXXX ) and Grandview Financial Services ( Acc no : XXXX ) were disputed and deleted in XX/XX/2020. However, XXXX  and XXXX  reinserted the fraudulent accounts after a month without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I've recently checked my credit report from XXXX  and XXXX and I was shocked to see a previously deleted fraudulent accounts were reinserted back to my credit file. The BMW Financial Services fraudulent account ( Acc no : XXXX ) and XXXX XXXX XXXX  ( Acc no : XXXX ) were disputed and deleted in XXXX of 2020. However, XXXX  and XXXX  reinserted the fraudulent accounts after a month without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO

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