vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: MD

Complaint narrative:
On XX/XX/2020, my name was legally changed from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. The Social Security Administration was notified the following day and promptly updated their records. 

Throughout the month of XXXX I notified all of my creditors and financial institutions of the name change. That process was complete by mid-XX/XX/XXXX, and in XX/XX/2020 I began receiving statements from my creditors with my correct legal name. 

Since then, the credit bureaus should have been notified of the change via my creditors and financial institutions. However, I can not access my credit report. I am a user of the third-party credit checking service XXXX, which is how I first discovered that my credit history had disappeared. 

At the urging of XXXX 's support staff, I attempted to retrieve my credit reports directly from the bureaus via XXXX XXXX XXXX. I tried requesting my report using my correct legal name ( XXXX XXXX XXXX ) and all three bureaus notified me that my credit could not be pulled. I also tried using my former name ( XXXX XXXX XXXX ), with the same results. 

As my information has been corrected with my creditors, financial institutions, and the SSA, there is no legitimate reason for my credit report to be inaccessible. My address, SSN, employer, etc. did not change, so there are no complicating factors. This was a simple name change. 

This puts me in an impossible position as I can not access my credit report to file a complaint or even determine what the problem is. Without access to my credit report I am unable to diligently and responsibly manage my finances. This is a clear violation of my rights under the FCRA. 

Furthermore, the bureaus ' inability to process a legitimate first name change disproportionately affects members of the XXXX   community, and is likely discrimination under state and federal laws. I am prepared to escalate this issue if it remains unresolved.

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 2020-07-02 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: WA

Complaint narrative:
I have gone to their web site and it says contact equifax by phone. They don't answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX XXXX  XXXX {$120000.00} XXXX   XXXX {$120000.00}

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 explanation
Consumer complaint received 2020-07-02 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX XXXX XXXX {$120000.00} XXXXT XXXX {$120000.00}

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 explanation
Consumer complaint received 2020-07-02 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: IL

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Hey Im contacting you because I had this removed from my credit report many times already and they sale the debt in put it back on my report this account doesnt belong to me I asked for validation in signing of the contract many times and they could never provide it so I would like this to be investigate and removed if they cant show validation and that this is the original company and original contract with a wet signature from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2020, I filed a complaint against PayPal Inc. regarding my funds being frozen The complaint number is XXXX with the CFPB. 

PayPal responded through the Consumer Financial Protection Bureau portal and said that funds on Account 2 ( XXXX XXXX would be available for withdrawal on XX/XX/2020, and funds on Account 1 ( XXXX ) would be available for withdrawal on XX/XX/2020. Please see attached " PayPals Response to your CFPB Complaint.pdf ''. 

Yesterday, when attempting to withdraw funds from Account 1 (  XXXX ), I still get an error. Please see attached " error.jpg ''. 

I contacted PayPal through their customer service Message Center about this, and they replied stating that the funds would be held for 180 days and that I would receive an email when the funds would be available to withdraw. Please see attached " PayPalContact.jpg '' and " PayPalReply.jpg ''. 

Again, I would like PayPal to release the funds for Account 2 immediately as they promised so that I can avoid having to take legal action. It should have been available yesterday, XX/XX/XXXX, but there is no way for me to make the withdrawal and customer service is refusing to help. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been reaching out to the credit bureaus in regards to my credit report since XXXX. They have not responded to any of my disputes. I have sent mail and faxes. They continue to ignore my requests.

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 2020-07-02 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: MS

Complaint narrative:
I have been reaching out to the credit bureaus in regards to my credit report since XXXX. They have not responded to any of my disputes. I have sent mail and faxes. They continue to ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Jpmorgan Chase transferred my mortgage to another servicing company. 

1. I did not receive any notification the loan was being transferred. 
2. Chase told me via telephone, XX/XX/XXXX they emailed me and sent a letter on XX/XX/XXXX. I never received said letter or email. 
3. The new Mortgage service provider Told me via telephone they sent a letter On XX/XX/XXXX notifying me of the change. I never received said letter. 
4. The first time I was aware of the change is a letter came from the new mortgage servicing company on XX/XX/XXXX. So, I have to ask, If I received this letter, why did I NOT receive any previous letters. They had an incomplete address on the letter. This could be why I did not receive any previous letters. 
5. Chase reports my mortgage account as closed to the credit buraeu. My credit score goes down by 20 points. Negatively affecting my ability to refinance, new car loan, basically get any kind of new credit. 
6. Chase explains to me this is the way they report it and there's nothing they can do about it. Comes from a guy named XXXX ... he has no last name. 
7. Chase does not report the loan as Opened but transferred. they just report it closed. 
8. The new service provider, XXXX XXXX XXXX also tells me they have the right to suppress the payments for 60 days according to RESPA. I have done limited research on RESPA and can not find where it states that a consumers credit can be damaged by either a mortgage lender or a mortgage service provider. What I did find, was that they have the obligation to Protect the consumer during transfers. 
9. Also on XX/XX/XXXX XXXX XXXX XXXX has informed me that " I '' have to dispute this with the credit agencies. 
This is going to take hours of my time. I now have to correct something that I had no control over. 
Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: FL

Complaint narrative:
After XXXX XXXX submitted an improper code to the three credit bureaus that indicated my mortgage loan was in a current loan modification status, causing severe and detrimental decreases to my credit scores, they updated late payments from XXXX, XXXX, XXXX that XXXX, TRANSUNION AND XXXX, further decreased my scores. Why the XXXX would these reporting agencies not know that if I had late payments back in XXXX, XXXX, XXXX that they would have already been accounted for in my credit score back when they were late? Instead XXXX   and TRANSUNION decreased my scores in XX/XX/XXXX for late payments back in XXXX, XXXX, XXXX. 

I have included a letter from XXXX XXXX  that plainly shows that when they updated the information to try to fix the mess they made when they submitted a code to update a remark, these are not newly added late payments yet XXXX score dropped back down to XXXX and Transunion took additional 21 points or so from me. XXXX  showed Current/Never late and they took their opportunity to add these XXXX, XXXX, XXXX late payments onto my account. XXXX is a XXXX company that has done everything in their power to destroy what I have worked so hard to build.

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 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX was a cable company that I had while I lived in XXXX California. I terminated my contract with them and went with an alternate company. XXXX XXXX XXXX XXXX continued with service and did not stop the service as I requested. They billed me for that service afterMy request. I was assured that this bill would be corrected when I addressed it with XXXX XXXX XXXX XXXX. They are now sending me to collections several years later for their billing error. This collection is adversely affecting my credit. My credit rating is perfect otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a longstanding Wells Fargo customer since XXXX. I applied for a personal line of credit XXXX. I was making monthly payments which included a automatic payment discount. XX/XX/XXXX, I was laid off from my company after 20 years. In XX/XX/XXXX, I called Wells Fargo regarding my upcoming payment due XX/XX/XXXX as I knew that I would not be able to make the payment as my severance was exhausted and I would have to seek unemployment assistance. Since my account was current, no one wanted to work with me. I was assessed a late fee and NSF fee for that month. In XXXX, I called again to get the payments from auto pay because I did not want to continue to be assessed a NSF fee. I was at the time given a payment extension. Due to Covid-19, I was given another extension until XXXX. Now, I am set up to pay but was told they could not waive the NSF fee nor would I qualify for the relationship discount of 0.25 %. This doesn't in any help customers who want to pay but because of hardship are not able to. I wasn't fired. I lost my job with no fault of my own. As I am now trying to get back on my feet. It would seem to me that Wells Fargo would be more understanding considering all the heat they have taken over the years for their own wrongdoings. A fee is above/excess what is due. They make billions on fees. I am not asking for anything unreasonable, just being fair. Or just showing real customer service. Customers want help when they need it.

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 2020-07-02 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: OH

Complaint narrative:
Equifax and XXXX are both reporting a collection from a company in the name of XXXX XXXX and the collection references an account with XXXX but I never had my account with them I paid sprint directly for my balance owed. I disputed the account with the credit bureau and they simply kept it on my file and showing the balance as XXXX. Thats still not okay with me this shouldve never been posted to my credit bureau and I want it removed fairly. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: IL

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-02 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: IL

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I called for COVID relief/mortgage suspension because my husband lost his job. My XXXX payment was suspended. I further looked into COVID suspension issues and decided we can handle the payments and paid my XXXX and XXXX payments including my interest for XXXX. I have called and opened up 9 cases with Wells Fargo to correctly apply the interest payment to interest and not additional principal. They did not follow my clear instructions on the coupon remittance to apply that payment to interest. I have been calling since XX/XX/XXXX to clear the situation. They have promised me they will take care of it and to this date they have not dones so probably because the bank is getting paid for COVID cases. My loan is not a COVID case and I have paid in full every month. Wells Fargo is probably getting paid per mortgage COVID case and is classifying my account as such.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
PayPal Credit opened an account in my name on XX/XX/2020 with an initial charge of {$1500.00} -- but I knew nothing about it until I pulled my credit report on XX/XX/2020. The company 's customer service wasn't open until the morning of XX/XX/2020 when I contacted them to report fraud. They opened a case but they weren't very helpful ; they only said they have 60 days to respond to the claim. They did tell me it was opened with an address that was mine 6 years ago, using a telephone number that I've had for many, many years. All that was needed to open the account was name, address, telephone, an email address and the last four digits of my ssn. 

I only happened to pull my credit report that day because I was applying to refinance my mortgage at a rate of 2.375 % - a substantial savings over my current rate. I can't qualify for the refinance until this bogus account is off my credit report, and I'm afraid PayPal Credit isn't going to give me any timely satisfaction. 

Can you help get this corrected soon?

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 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, 2020, I was at the XXXX XXXX XXXX XXXX mall when a couple scammed me out of {$700.00} after being told they would give me cash in return for a quickpay of {$700.00}, they proceeded to say they never got it and left, I told security and filed a police report with the XXXX Police as they left. I reported to the company about my issue and how stressed I was and all Chase did was say they couldnt help me. A company that I trust to open my bank account with could not provide the support for me, as I was scammed and robbed out of {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: FL

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2020-07-02 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:
I sent multiple credit dispute with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus mist abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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