vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I was involved in a chargeback dispute from a sale I made on XXXX back in XX/XX/2019. I received the notice in XXXX that the transaction has been chargebacked and marked as an unauthorized purchase. Usps and XXXX dont keep tracking records past 90 days fortunately I was able to retrieve the tracking number used and correspondence with the buyer in regards to shipping. In late XXXX I received a response from the buyer right after the deadline for evidence submittal. The buyer detailed how his now ex wife stole property and filed fraudulent chargebacks. I attempted to submit this information that would absolve me but was faced with resistance from PayPal saying it doesnt matter, I finally managed to get a link to submit my information but was decided against. The information I provided is clear that I was not involved in an unauthorized purchase and what happened was fraud. I will include some screenshots but can send more. I have not received any contact from the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Events in chronological order : ( 1 ) I applied for a citibank credit card " Citi / AAdvantage Platinum Select card '' on XX/XX/2019, I was notified that the application was approved no later than XX/XX/2019. 

( 2 ) There is another email saying that I should expect the new card by XX/XX/2019. 

( 3 ) However I did not receive the card even on XX/XX/2019. Then I contacted customer support online ( live chat ) to ask Citi to resend the new card. The agent said that the card will arrive in 7-10 days. 

( 4 ) Now today on XX/XX/2019 which is 12 days after the chat I still did not get my new card and I have to call customer support again to ask what happened and how to resolve the issue ( 5 ) After the agent verified all the information and about to place the order to resend the card she said " sorry verification blocked because the account is of high fraudulent risk ''. I think it's really ridiculous and I don't trust the agent 's capability to resolve this issue promptly or smoothly so I am complaining to CFPB about the case. 

What I am complaining for : ( 1 ) It has been almost 1 month after the application is approved I am still far from receiving the actual credit card. 

( 2 ) I contacted Citibank several times but they failed to process the resending order. 

( 3 ) The agent said that it's because the address on my profile does not have apartment number. However I checked it again and again, my apartment IS on the profile. I did double check triple check. The agent changed her word after hearing this. 

( 4 ) The same thing happened to me more than once. Another very important communication from Citibank, which has a {$300.00} check was also not delivered to my address. 

( 5 ) I really don't understand that why my account was flagged as " high risk of fraudulent ''. I don't even received my card!!! If that's the reason. This risk is totally brought by Citibank. Think about it, I applied for a new card. It never arrives. I contacted Citibank but they said oh sorry we can't send you the card because of high risk. Isn't this thing totally ridiculous???? Ask yourself.

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 2019-10-23 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: IN

Complaint narrative:
I am filing a complaint because there is an account on my Equifax report that does not belong to me. The account is with XXXX XXXX XXXX ; I have tried repeatedly to resolve this issue withe Equifax and have had zero success. In one of my recent disputes, they informed me that the account was verified ; howevever, they've provided no proof of their claim. I have asked for verification, but received none. 
Not only is Equifax reporting false information on my credit report, to my understanding, under Section 611 ( 5 ) ( A ) of the FCRA, they are to promptly delete all information which can not be verified. I am requesting that all information that this XXXX XXXX account, in which i have been trying to get removed for months, is removed, ASAP. 

Everytime that I have disputed this matter, their response is " The creditor has verified that this account belongs to you. '' I had no problems getting this issue resolved with XXXX and XXXX. A representative at XXXX told me that this is illegal on behalf of Equifax and that I could sue them for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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:
To whom it may concern : I have been trying to remove accounts that do not belong to me but as the law requires, they need to provide physical proof before post fraudulent, outdated or inaccurate data in a consumer credit file. But they keep failing to provide the proof that FCRA requires for a third party reporter to post any account in a consumer credit file, they need to remove these accounts intermediately from my file.

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 2019-10-23 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: LEXISNEXIS
State: GA

Complaint narrative:
To whom it may concern : I have been trying to remove accounts that do not belong to me but as the law requires, they need to provide physical proof before post fraudulent, outdated or inaccurate data in a consumer credit file. But they keep failing to provide the proof that FCRA requires for a third party reporter to post any account in a consumer credit file, they need to remove these accounts intermediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. I have a mortgage account of Wellsfargo. When I checked my credit report, I see 3 bureaus note that I pay this account late one time in 2013. I work with Wellsfargo and they admit they are wrong and remove late payment right away. However, this is still in my credit file even I had disputed several times with these bureaus that I have never paid this account late and I have evidence to show that.

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 2019-10-23 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have 2 XXXX accounts which is Comenity bank reporting to my credit. I should have only one. My card was stollen and Comenity replaced the card with a new card and number. Since then I have had 2 accounts with 2 different balances reporting to my credit report. I have disputed these items as well as contacted Comenity about this issue with no luck. This extra account is making my credit score lower as well as credit utilization higher and my debt to income. I currently am trying to refinance my house and the company keeps telling me that I have 2 open accounts with XXXX which is causing an issue as explained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection that was paid in full/ My insurance company notified me that XXXX XXXX XXXX XXXX were paid for my medical visit. Client Account # 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 2019-10-23 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: OH

Complaint narrative:
I have 2 XXXX accounts which is XXXX XXXX reporting to my credit. I should have only one. My card was stollen and XXXX replaced the card with a new card and number. Since then I have had 2 accounts with 2 different balances reporting to my credit report. I have disputed these items as well as contacted XXXX  about this issue with no luck. This extra account is making my credit score lower as well as credit utilization higher and my debt to income. I currently am trying to refinance my house and the company keeps telling me that I have 2 open accounts with XXXX which is causing an issue as explained.

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 2019-10-23 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:
I have 2 XXXX accounts which is XXXX XXXX reporting to my credit. I should have only one. My card was stollen and XXXX replaced the card with a new card and number. Since then I have had 2 accounts with 2 different balances reporting to my credit report. I have disputed these items as well as contacted XXXX about this issue with no luck. This extra account is making my credit score lower as well as credit utilization higher and my debt to income. I currently am trying to refinance my house and the company keeps telling me that I have 2 open accounts with XXXX which is causing an issue as explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection that was paid in full/ My insurance company notified me that XXXX XXXX XXXX XXXX  were paid for my medical visit. Client Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection that was paid in full/ My insurance company notified me that XXXX XXXX XXXX XXXX were paid for my medical visit. Client Account # 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 2019-10-23 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: TX

Complaint narrative:
XXXX  XXXX XXXX has reported a collection on my credit report that was paid by my insurance company. The orginal collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been reported by mistake.

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 2019-10-23 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: IN

Complaint narrative:
My complaint is with Equifax, regarding a {$300.00} account with XXXX and a {$500.00} account with XXXX XXXX. The other issues are some inquiries on my credit file that I have not applied for. I have sent this information into Equifax and disputed it with em on multiple occasions and they are adamantly refusing to remove these UNVERIFIED accounts, as well the inquiries. 

I have never applied for or given these companies permission to pull my credit file. I understand this it is illegal to falsely report unverified information under the FCRA, Section 611 ( 5 ) ( A ). I have yet to receive any proof validating these accounts and inquiries and I am requesting prompt removal. 
They can not respond with " This account has been verified '', while having no proof. 

Lastly, I noticed on my Credit Report, my named was misspelled : XXXX with a " XXXX ''. My name is XXXX with an " XXXX ''. I am asking that the following accounts are removed : Accounts : 1 ). XXXX {$300.00} 2 ). XXXX XXXX {$500.00} Inquiries : 1.XXXX/XXXX  2.XXXX., XXXX XXXX 3.XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2019, I emailed a person who claimed be a XXXX  XXXX Season Ticket Holder who wanted to sell four tickets to Game XXXX of the XXXX XXXX XXXX at XXXX XXXX in Washington, DC. I emailed that I was interested in purchasing tickets for me and my wife. 

The next morning ( XX/XX/2019 ), I received an email from the seller, requesting a phone number to contact me. I provided my phone number and my wife 's phone number to make sure he could contact us. Later on that afternoon, I received a text from the phone number XXXX, wanting to confirm he had the correct number. I replied that he had the right number, and we were interested. I also asked him if all four tickets were available, and he replied that they were. I asked to confirm if the price for all four tickets were {$1600.00} ( he claimed in the ad that the tickets were {$400.00} per ticket ), and he confirmed. I asked him for verification, and he provided screenshots of a XXXX account with what he claimed were his group 's seats. The screenshots appeared legitimate, and I asked him how I could pay for them. He asked if I had a PayPal ; in which I responded that I did. He asked me for a PayPal email address, which I gave him, and then sent me an PayPal email request, but asked me to send payment through the " Friends and Family '' option so he would not be assessed any fees. I obliged, not understanding that I was unprotected making payment this way, and when the PayPal request came, I sent payment through PayPal. 

I let him know that I sent payment, and he said that he would check his account when he got home ( he claimed he was on the road ). Later, he sent me a screenshot of his PayPal account with a message stating that he would receive payment in 24 hours. He followed up the text by stating that he would send the tickets in the morning once payment was received, and that the tickets were officially off the market. The next day ( XX/XX/2019 ), I did not see the tickets in my email, but figured that maybe he had not received payment yet. He texted me in the middle of the day asking if I was available, but I was not able to get to my phone right away. As soon as I noticed the text, I asked him if everything was okay with his payment, and he responded that he had not received it yet. I called PayPal to find out what was going on, and they told me that he should have already received payment. I texted the seller back, and let him know that PayPal stated he has his payment. He asked to see if the payment arrived, and I never heard back from him afterwards. After a couple of hours, I realized that I was scammed, and looked in my bank account, whereas the money had already been transferred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 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: NV

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-10-23 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: NV

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: A-1 Premium Acceptance, Inc.
State: NM

Complaint narrative:
I was unemployed and got the loan to help until I found a job. Found a job was paying on loans then my ex-husband started trouble legally. I had to take care of other things first. I'm consolidating, started XX/XX/2019. Informed king of cash that is the only they will be getting paid. I believe I gave my consolidating the their info I am still constantly getting phone calls on my phone and I am being sent emails from one of my bosses that king of cash is calling them everyday leaving voicemails and I already told them about consolidating situation. They still are constantly calling my phone and my work phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These accounts aren't mine that need to be removed.

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 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was not provided with a Loan Estimate within 3 working days. The documents to start the loan process was provided to XXXX XXXX ( the loan officer ) on XX/XX/2018. The replies were sloppy and he was hard to get a hold of. See the attached email for more detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: IN

Complaint narrative:
I legally changed my name in Indiana on XXXX XX/XX/2019 from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive applied for a VA Loan and the lender Im using is having trouble with getting my credit report from Experian. They havent updated it yet and since it doesnt match my legal name its holding up the loan process. 

Ive tried multiple avenues with Experian and have been unable to reach someone to help. Its been a frustratingly maddening process and I end up right back where I started when trying to solve this. 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 non-monetary relief