vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
In XXXX of 2018, Wells Fargo sold my loan to XXXX XXXX XXXX. When they sold my loan, they increased my mortgage maturation date to XXXX from XXXX - which was the original maturation date. I called Wells Fargo, they said they no longer had my files and could not change anything regarding the file. I called XXXX XXXX XXXX they could confirm that the maturation date had been changed however they say they can't address anything regarding my file before it came to 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 2019-06-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

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 2019-06-28 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

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 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I attempted to close my account with TCF. At the time, I had also disputed a series of charges to my checking account. The TCF teller informed me at the time that if they closed the account, they would refuse to process the charge dispute. If I wanted to close the account, I would have to forfeit any monies that were being disputed.

This was escalated to the branch manager, who made the same claim. When I asked for a contact above her, she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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:
Ive noticed that after I dispute some information the Credit Reporting Agency ( XXXX, TransUnion, XXXX ) like to leave comments on each account.

I have asked them in multiple letters to remove ALL comments from each account, especially the words, Dispute Resolved - Consumer Disagrees or Consumer disputes after resolution and Comments that include the payment history??? Why is this even necessary, these comments are intentional AND detrimental to me personally, financially, and to me advancing my career.

I have NEVER asked that these statements be made on my behalf. These statements/comments should be erased immediately.

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 2019-06-28 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:
Ive noticed that after I dispute some information the Credit Reporting Agency ( XXXX, XXXX, Experian ) like to leave comments on each account. 

I have asked them in multiple letters to remove ALL comments from each account, especially the words, Dispute Resolved - Consumer Disagrees or Consumer disputes after resolution and Comments that include the payment history??? Why is this even necessary, these comments are intentional AND detrimental to me personally, financially, and to me advancing my career. 


I have NEVER asked that these statements be made on my behalf. These statements/comments should be erased immediately.

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 2019-06-28 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: MN

Complaint narrative:
On XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX XXXX XXXX  And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company

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 2019-06-28 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: MO

Complaint narrative:
How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX, XXXX XXXX, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 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: MO

Complaint narrative:
How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX****, XXXX XXXX****, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off XXXX XXXX   XXXX****, XXXX XXXX XXXX****, XXXX   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 2019-06-28 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: MO

Complaint narrative:
How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX, XXXX XXXX, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX   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 non-monetary relief
Consumer complaint received 2019-06-28 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: MN

Complaint narrative:
On XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX XXXX   XXXX  And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company

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 2019-06-28 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: MN

Complaint narrative:
On XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX  XXXX XXXX And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Collection Connection
State: CA

Complaint narrative:
ON XX/XX/2017 XXXX XXXX XXXX WAS FOUND BY MY CREDIT CARD COMPANY XXXX THAT THE CHARGES THE COLLECTION CONNECTION IS TRYING TO COLLECT FOR WAS FOUND TO BE FRAUD AND MY CREDIT CARD COMPANY REVERSED THE CHARGES BACK DUE TO FRAUD. 

I AM RECEIVING LETTERS FROM THE COLLECTION CONNECTION AND THEY ARE TRYING TO COLLECT ON THIS AMOUNT THAT IS FROM XXXX 2017 THIS WAS DEEMED FRAUDULENT AND CHARGES REVERSED BY MY CREDIT CARD COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi dear PayPal team! 

You have sent me an email that you are revewing again the case and transaction to decide for a refund as I didn't get the item paid for. Please get back to me and decide for a refund as I have lost {$360.00} from this transaction. 

Best regards, XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : <XXXX> Date : Monday, XX/XX/XXXX Subject : Case Number : XXXX To : " XXXX '' <XXXX> Dear XXXX XXXX, We have concluded our review of the following case : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Seller 's Name : XXXX XXXX Seller 's Email : XXXX Seller 's Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : - {$360.00} USD Your  Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We can see that your payment was completed almost two years ago, which is now outside our 180 days Buyer Protection timeframe ( on the XXXX of XX/XX/XXXX) We can see, as well, that you have closed the dispute most likely because it has been requested to do so or because you expected the item to arrive correctly. 

Then on the XXXX of XX/XX/XXXXyou reported the transaction as unauthorized, but once no unauthorized access was found on your account, we could confirm the payment was, indeed, completed by you. 

We do understand you still would like to receive your funds back, but so far we have no evidence that the item has or hasn't been shipped and delivered correct to you. 

Please keep in mind that this payment is now outside our Buyer Protection Policy,  but we would like to clarify as much as possible if the seller has or hasn't shipped the item to you. 

Feel free to provide us with any evidence you might have that helps confirming this item has never been sent to you ( such as email, message exchange, XXXX comments, anything that might help us clarifying your constant appeal ). 

Please email us at XXXX, but keep in mind this payment is not covered by our Buyer Protection Policy anymore. 


Yours sincerely, XXXX XXXX PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Help : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please do not reply to this email because we are not monitoring this inbox. To get in touch with us, log in to your account and click " Contact Us '' at the bottom of any page. 

Copyright XX/XX/XXXXXX/XX/XXXXPayPal Inc. All rights reserved. 

Consumer advisory : PayPal Pte Ltd, the Holder of the PayPal payment service stored value facility, does not require the approval of the Monetary Authority of XXXX. Consumers ( users ) are advised to read the terms and conditions : XX/XX/XXXX carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I put in a claim regarding an OLD apt I was leasing where the company still has not give me my refund in monies as promised to me several times. At any rate, Capital One sided with them without proof on my end that the company did in fact, in writing, state that a deposit was due to me but as of date I still did not receive the funds. The agent at that time told me he would put in place that they would not go back in to retrieve the money back from me. Weeks later as stated Captial One took the money back from me in my claim. Recently, I paid my rent at my NEW apt to then be told my funds were returned due to me putting in a stop payment on the transaction. I stated to the company I would never stop my rent and they conference called with me and Captial One with Capital One stating nothing was wrong with my account and they merchant never did a transaction to retrieve the funds. The merchant suggested for them to do an investigation as they had a transaction ID to proof they tried to retrieve the funds. Captial One got back to me the next day admitting they incorrectly gave me the wrong information as they put a stop payment on the transaction as coincidentally the NEW apt community uses the same payment system as the OLD community. At that time a manager stated they fixed the situation and that the merchant could go back to retrieve the funds. A couple of days later the NEW community told me again that I placed a stop payment which I did not. We did another conference call and we were told yet again they had nothing in place to prevent the funds from withdrawing. After being transferred several times, we found out that the lift was never done and the merchant suggested that even though a fee will be assessed with it, for me to make a debit card payment which went thru. As a result of Capital One 's mistakes, I was assessed a late fee of XXXX and two {$50.00} Non sufficient funds from my NEW apt community as well as was placed on the eviction list there which needs to be paid by XX/XX/2019 which Captial One was told several times. I also assessed a {$26.00} fee to pay by debit card. Because of what has happened I asked for my account to be closed SIX times which they have not done so as of yet as well as letters of explanation to be sent to the NEW apt community and my lender as I am trying to buy a home which has not been given to me as of yet in addition to proof of what they used as a deciding factor with the OLD apt community on why they sided with them without my proof which has not been given to me yet as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
Wakefield and Associates are reporting an account where they say i owe {$850.00} and I never made a payment. Original creditor isXXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/2019 Balance {$850.00} Debt - Contact Information XXXX XXXX XXXX, XXXX , TN XXXX, ( XXXX ) XXXX-XXXX  and I made a payment in XXXX and have the receipt for it and yet they are refusing to update that and are reporting this account to be a credit card that account which in reality this is the medical bill debt and they are reporting that the account has been delinquent for over a hundred twenty days and it's ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: GA

Complaint narrative:
My credit file show a credit card for first premier that I am Aware of or have

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX the account is reported by Equifax closed/charge off with balance - XX/XX/XXXX up to present..XXXX XXXX reported as closed/charge off with balance from XX/XX/XXXX to present.. XXXX XXXX reported as charge off with balance - from XXXX to XX/XX/XXXX and XXXX to XXXX XXXX XXXX XXXX charge off with balance - XX/XX/XXXX to XX/XX/XXXX ... Only Equifax unverified the accounts and it has hurt my ability to obtain credit.. Under the FCRA, unverified accounts must be removed and if Equifax is unable to provide me a copy of verifiable proof, you must remove the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I am getting emails that I owe Citibank {$88.00}. I have not used the card in months. I can't find the card and I can't get into the account. citibank took taxpayer money for bailouts. Where is my bailout?

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 2019-06-28 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: TX

Complaint narrative:
I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),  XXXX XXXX XXXX ( ORIG  CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX )

Company response to consumer: Closed with non-monetary relief