vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.

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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/2020, I had called XXXX XXXX XXXX Customer Service, spoke w/ Mr XXXX XXXX I told him to please cancel my XX/XX/XXXX) Account number XXXX and which he proceed with my request, had canceled my account. 
After paying OFF my last billing with my XXXX XXXX XXXX XX/XX/XXXX account, I was shocked to received XX/XX/2020 billing statement stating that I still owe my XX/XX/XXXX) account in the amount of {$82.00} so I had immediately contacted XXXX XXXX XXXX Customer Service, I spoke w/ Ms XXXX XXXX she assured me, she will update my account appropriately. But she had failed to do so. On XX/XX/2020, I had mailed my 2nd Dispute letter regarding this already paid services, But to no avail from XXXX XXXX XXXX. On XX/XX/2020, I had contacted XXXX XXXX XXXX Customer Service in the hope to RESOLVE this problem. But instead Mr XXXX instructed me to contact XXXX Customer Service Directly to update my XXXX XXXX XXXX XX/XX/XXXX Account. Per Mr XXXX at XXXX Customer Service said he will fix and update my account and he will mail me a copy of final billing statement dated XXXX XXXX reflecting XXXX $ XXXX XXXX ) balance and I had immediately notifiedXX/XX/XXXX by telephone and via U.S. Mail letter, both were ignored by XXXX XXXX XXXX. Instead of updating my account balance was paid in full, XXXX XXXX XXXX referred my account to SEQUIM ASSET SOLUTIONS, LLC ( Debt Collector ). I had replied to their demand letter of XX/XX/2020, simply ignored the fact that is account had been paid in full and had a XX/XX/XXXXbalance. Recently, I just received another demand letter from SEQUIM dated XX/XX/2020 and once again did NOT response to my Dispute letter of XXXX XXXX. 
I am totally stressed right now created my XXXX XXXX XXXX and SEQUIM Asset Solutions, LLC Please advise Thank you and Happy Holidays!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2020 there was a XXXX transfer on my account in the amount of {$500.00} Another in XX/XX/2020, another XXXX transfer of {$230.00} In XX/XX/2020, there was a XXXX transfer of {$160.00} And in XX/XX/2020, there was another XXXX transfer of {$100.00} Totaled {$1000.00} I called my bank and they denied my claim refusing to give me back my money

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 2020-12-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.

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 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I attempted to open my Bank of America app and wasnt able to log in. I called and was told my account had been closed but the first person I spoke with wouldnt tell me why. I then spoke with a supervisor who stated that the account had been closed and the reason was related to a business decision but the supervisor couldnt tell me what that meant or exactly why the account had been closed. There was a positive balance and no signs of fraudulent activity.

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 2020-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to send {$750.00} through PayPal. The transaction status went to " pending/currently being reviewed '' immediately after I authorized the transaction. This is the same recipient that I had sent money to 4 times previously without hiccup. 

On XX/XX/XXXX, I received an email from PayPal asking for the date of birth for a person mentioned in the note that I sent along with {$750.00} ( see attachment ). Date of birth ( DOB ) is a piece of personal identifiable information ( PII ) that is protected by California Consumer Privacy Act ( CCPA ), and PayPal has no right to ask for this information without justification. 

I subsequently asked PayPal to cancel this transaction and return my money by sending several messages through PayPal app and two phone calls ( see attachment ). I was told that the transaction was under " compliance review '' and the compliance department does not talk to individual consumers like myself, or offer any explanation other than already provided. I asked for specific regulation or law that mandates PayPal 's " compliance review '', and was pointed to PayPal 's user agreement on PayPal 's website that gives one paragraph vague description of their payment review with no specific law cited that gave them justification to ask for DOB. I asked for an estimated time of completion of their " review '', and PayPal refused to comment on the timeframe, or offer any alternative solutions, or inform me of next steps. PayPal insisted on completing the " review '' for a transaction that I asked them to abort. PayPal did not give clear indication if or when they will return my money, if or when the transaction will go through. In the meantime, PayPal appears to intend to hold my money indefinitely. 

I did not purchase any goods or services from PayPal. I was trying to use PayPal as an online platform to send money electronically to a third party. PayPal failed to fulfil its services while holding money that does not belong to them. Customer communication was very poor, and PayPal is not acting in the best interest of consumers. PayPal is simply using " compliance review '' as an excuse to benefit itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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 {$0.00}, {$2600.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-12-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent letter certified to both Equifax and XXXX over 45 days ago regarding inaccurate accounts that are reporting that XXXX has already removed due to not being able to properly verify these account. I was under the impression that all reporting must be accurate as this is not the case. This is causing me more stress in my life and I would like to this matter to be resolved and not just an update that they are still working on it. According to the FCRA if inaccurate unverfiable information is not completed within 30days of receipt of the letter it must me removed. I have tracking information showing they have received my letter Equifax tracking # XXXX and XXXX  tracking # XXXX I thought you guys assist in protecting the consumers because its past 45 days and I should not have to deal with something reporting inaccurately that is no fault of my own. How is it that XXXX  was able to get this done and these two bureaus are not where is the accountability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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 {$0.00}, {$2600.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-12-22 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 {$0.00}, {$2600.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bofa checking account which is linked to my unemployment benefits had fraudulent activity with some unknown person using the card to withdraw funds from atms near me. The unknown person withdrew {$1000.00} at a time ( the maximum ), in consecutive days XXXX XXXX, I reported the fraudulent withdrawals immediately on approximately XX/XX/XXXX. BofA initially credited the fraudulently withdrawn amounts and then subsequently made adjustments and removed those credits. Now my account is negative due to those fraudulent transactions not being credited.

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 2020-12-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent letter certified to both XXXX  and Experian over 45 days ago regarding inaccurate accounts that are reporting that XXXX has already removed due to not being able to properly verify these account. I was under the impression that all reporting must be accurate as this is not the case. This is causing me more stress in my life and I would like to this matter to be resolved and not just an update that they are still working on it. According to the FCRA if inaccurate unverfiable information is not completed within 30days of receipt of the letter it must me removed. I have tracking information showing they have received my letter XXXX  XXXX # XXXX and Experian tracking # XXXX I thought you guys assist in protecting the consumers because its past 45 days and I should not have to deal with something reporting inaccurately that is no fault of my own. How is it that XXXX  was able to get this done and these two bureaus are not where is the accountability

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 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Company is attempting to collect way more than the amount owed. Court documents showed a balance of {$700.00} usd. With RS Clark & Associate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I paid my debt to Bank of America and XXXX I dont have a receipt because I did it over the phone. During XXXX I didnt know what was going on with my accounts I just forgot to close them due to me being very busy and stressed. I had stopped working because I had another child, I was at XXXX  XXXX  so I have put aside somethings and let my husband take over so we were just having his income and he was using his bank. I dont even know the account numbers just whats on the consumer report.

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 2020-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XXXX XXXX Gmc. 
XXXX XXXX XXXX XXXX XXXX, I test drove a XXXX XXXX, yesterday at the XXXX XXXX XXXX, Ga XXXX location at XXXXXX/XX/XXXX. Then I did the process and procedure on financing a car. It wasn't a XXXX XXXX on the seat, when I test drove the car. But after I was approved there was. I have pictures of the XXXX XXXX on the seat. XXXX XXXX XXXX salesperson XX/XX/2020 ). I talked to the head manager. He stated A manager in his position at XXXX XX/XX/XXXX. I told him about the XXXX XXXX on my driver seat. He told, me that the crew, that did the last inspections. Had to leave it in there after they took the agreement off the window, stating if I bring the car back. He would personally take the XXXX XXXX out of the car. I tried to go over his head, ( Tue, XX/XX/2020 XXXX XXXX XXXX XXXX, but that was the headquarters. In buying a car there is an agreement, and I feel that my agreement was broken on XX/XX/2020. Due to the fact that the staff knew, I had finished my paper work, and placed the XXXX XXXX in the car as a XXXX trap to harm me or the car. ( Paper work XXXX XXXXXX/XX/XXXX completed. /Address/ XXXX XXXX XXXX XXXX XXXX, Ga XXXX ). I contacted the GM finance department, and the person I talked to gave me a case number. And told me what department she was in and her position. I have pictures of text messages and the XXXX XXXX in my car. ( Case Number or Service Request Number XXXX XXXX. Call me ( customer experience manager ) At XXXXXX/XX/XXXX the woman 's phone hung up on me. She called me back at XXXX, her position was ( Customer Service Representative GM ). The woman told me she would give me a call back in one week and she never did. 
P.S. ( By state law in Georgia, I have 3 days to file a complaint ). 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hello, and I hope all is well. Thank you for taking the time to review the complaint. A series of events occurred to have a fraud alert placed on all major credit bureaus. The companies listed requested Identification and social security numbers without a disclaimer of sensitive information signed. I was never a victim of identity theft. The letters drafted from the companies hired XXXX and XXXX XXXX XXXX. 

I began seeking reputable companies to assist with growth in the FICO Scoring system. The overall goal is to understand the five components ' of the overall credit profile. XXXX XXXX XXXX and XXXX had several misleading advertisements. 

For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? The overall goal is to understand the scoring modulesthe overall credit profile 's five components. XXXX XXXX XXXX had several misleading advertisements. For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? XXXX XXXX XXXX began services in XXXX of 2019 ; the total amount rendered {$800.00}. XXXX total {$750.00}. XXXX refunded the entire amount rendered for services. Poor experience from both companies, the goals in place weren't met. 
The overall goal is to assist with understanding the scoring module and the overall credit profile.. Reputable companies were the key to growth. Services were rendered from XXXX XXXX XXXX failed to educate on Payment History, Credit Utilization, Credit Age, Overall Credit, and Mix Credit.

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 2020-12-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I found errors on my credit report, I submitted a dispute on XXXX XXXX 2020, it has been over 60 days. I have not recieved anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely matter.

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