vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2018 I contacted XXXX XXXX for prices on some of their products. I explained I was just gathering information that day, and didn't want to order anything. The XXXX representative obtained a hard inquiry of my credit report without my knowledge. I called when I realized they had done that, because it stays on my report for 2 years, and they had no reason to do that, it should have been a soft inquiry if at all, because I wasn't ordering a service. The manager I spoke to advised they would have it removed. It is still on my credit report through Equifax. I want that inquiry removed from my Equifax credit report, as it was accessed without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from XXXX XXXX XXXX XXXX. XXXX XXXX is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this SpeedyCash acct. As result, XXXX XXXX is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XXXX XXXX my XXXX XXXX XXXX XXXX was totaled financed by Westlake Financial on  XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact Westlake to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which Westlake financial was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called Westlake with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to Westlake 3 weeks later I look at my credit I have a charge off on my credit. Showing as if Westlake financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: MO

Complaint narrative:
I sent in a dispute on XX/XX/2018. I have not heard back from them. The FCRA requires them to respond within 30 days.

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 2018-09-09 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: MO

Complaint narrative:
I sent in a dispute on XX/XX/2018. I have not heard back from them. The FCRA requires them to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: MO

Complaint narrative:
I sent in a dispute on XX/XX/2018. I have not heard back from them. The FCRA requires them to respond within 30 days.

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 2018-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I am the author of a New Book Coming out called XXXX. I have been working to Pre-Sell the book by adding a website, payment processing and building social media platforms. 

I already have 4 other methods of online payment processing but several older customers asked I set up PayPal I did set it up and after a 4 day delay was accepted ( screenshots are attached of the chronilogical order ). 

I began advertising for paying with PayPal on 6 platforms including XXXX and my XXXX   Website Because I am traveling to promote the book I decided to attach a debit card to the account to use fir purchases. It did not work out. So I called customer service and that lead to the next 54 hours if chaos, lies, deception and even a representative who tried to get me to commit fraud. 

I was told, actually demanded in order to use the account I had to change the name in the account our if the Business Name to NY personal name I was asked to submit all of my proof if who I am including my driver 's license, SSN card and proof of address. 

I was told I had been placed on an expedited track and would have an answer in 72 hours because of XXXX day. 

I called back 3 days later to speak with a supervisor because my account still showed my identity confirm was not approved I asked fir a supervisor. She told me I was being restricted because I had a second account. I vehemently denied I have had an account with PayPal fir a number of years but the person who told me I needed to change the name in my business account took all of my info and tried need to make a fake account using an email I had not used in 3 to 5 years She said she would file fraud on This flagged info and I would get a call from PayPal in 3 days. 

That was 6 days ago. 

BUT I just looked through my email and found that on XX/XX/XXXX I received an email my account had been restored. 

I still haven't been able to get money out of the account for purchases. 

I received an email 3 days ago stating they were going to restore it but still have not In looking online 209 complaints on same topic either from consumers or small businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have tried to make my payment with Chase several times but they processed my payment incorrectly. Then, out of the blue I was notified that I was past due on both cards. Nobody ever let me know the status. In addition, they call customers using blocked numbers and have agents leave rude messages with account information disclosed that I will play on social media. They use deceptive phone practices and their agents are rude and hang up on me when trying to pay. I want both of these credit cards off my credit NOW ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: PA

Complaint narrative:
TransUnion dropped my score 5 point ( XXXX too XXXX. On XX/XX/18 I made a payment to XXXX XXXX account, ending balance being only XXXX on a XXXX limit. All data based on TransUnion XX/XX/2018 I spoke with XXXX XXXX reps and they stated that my due date is XXXX of every month, closing statement is XXXX and then they report to the CRAs on XXXX. Today on the XX/XX/2018 TransUnion erroneous drop my score for No reason.

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 2018-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Kings Credit Services a debt collection company showed up as a collection on my three credit reports. I disputed to the three credit reporting agencies XXXX XXXX and XXXX and all of them came back as verified debt. If the debt was indeed verified Kings Credit Services is in violation of the HIPAA law. I never signed a consent for anyone to share my medical in it information with the third party or any other company or entity. I also never received any documentation with my signature on it stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX XXXX was totaled financed by XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact XXXX to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which XXXX XXXX was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called XXXX with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to XXXX 3 weeks later I look at my credit I have a charge off on my credit. Showing as if XXXX financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my 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 2018-09-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had signed up for the Citibank/XXXX credit card in XX/XX/XXXX. I forgot to set up payments for this card until XX/XX/XXXX and Citi reported a late payment to XXXX and XXXX. I requested Citi in XX/XX/XXXX to remove this reporting and they agreed. The fixed the reporting in XX/XX/XXXX. But in XX/XX/XXXX Citi reported late payment once again even though I had auto-pay set up on my account this time. I contacted them several times on phone since then and they verbally agreed that the last reporting was a bank error. But they have failed to remove the reporting. I filed complaints via the Citibank Credit Bureau Disputes but they always reply that the reporting is accurate.

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 2018-09-09 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: TX

Complaint narrative:
I have mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.

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 2018-09-09 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: TX

Complaint narrative:
I have mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.

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 2018-09-09 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 have mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo : This is Predatory lending : I was predatorily places on a loan as a co-signer, a loan I could not possibly qualified for, since I already had a mortgage on my primary residence. I was not on title or have any Ownership interest in the property, I did not reside at the property, since I had my own homestead. I certainly could not afford to pay and would not pay this mortgage if the owner fails to pay. All part of 2008 sub-prime loan debacle, lenders shuffling paperwork to get loans approved, some borrowers got loan modification, short-sale, banks bailouts. As a co-signer I got nothing, but problems, which was never fully disclosed to me, as was required by law : 12 CFR 706.3 - Unfair  or deceptive cosigner practices. No one explain or provided the disclosure that this loan will prevent me from qualifying for other loans and will affect my credit score, I got no disclosure. The Lender representative was only interested in getting the documentation to get the loan approved. 12 CFR 706.3 - Unfair or deceptive cosigner practices.

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 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
AES slash p h e a and XXXX XXXX XXXX reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with XXXX  and XXXX and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX  and they've all been paid off satisfactorily through XXXX. I never made a late payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The reason for this complaint with Equifax Fraud Deparment was filed was due to a completely inadequate response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.

The employees in this department do whatever they want with one 's credit report. They don't treat you with respect nor do they want to actually help you. They go against the law.

I have fully investigated my rights in this matter. Under the doctrine of estoppels by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.

I have provided more than sufficient evidence to get these false accounts removed. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation.

Also the following accounts that were unauthorized : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX  4. XXXX XXXX XXXX  5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX  7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX I called American Express ( XXXX ) to redeem cash rewards on my Blue Cash Everyday Card. The person I spoke with processed my cash rewards and encouraged me to sign up for the Blue Cash Preferred Card ( {$95.00} annual fee ). My current card has no annual fee. I said I would need to determine that the increased rewards on the card being offered would more than offset the annual fee on that card. I was told that inXX/XX/XXXX I made {$4900.00} in purchases at supermarkets and {$6000.00} at gas stations. Those figures confirmed the increased rewards more than offset the annual fee of the new card. I agreed to change to the new card. Later the same day, I thought the purchases given to me seemed excessive. I have all my statements forXX/XX/XXXX and they are available on my personal American Express credit card account page. I totaled my purchases for XX/XX/XXXX at supermarkets and gas stations at {$1800.00} and {$2100.00} respectively. I've since cancelled the change to the new card. To date I haven't incurred any loss as a result of this matter. If that changes in the future, I'll proceed settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : Consumer Financial Protection Bureau I am writing to complain about Non-Compliance for the following. Credit Bureaus ( XXXX, Transunion and XXXX ). I requested on XX/XX/2018 my Full Consumer Disclosure File, not my credit report. They have failed to comply with FCRA-Section 609 ( a ) ( 1 ) by not providing the date of First Delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX is the Original Creditor and Original Account # XXXX I am concerned that it has been re-aged by a junk debt buyer. So I am wanting to see my disclosure file ... .. I sent All Three Credit Bureaus the processing fee of {$12.00}. Transunion Cashed it, but only sent my credit report and not my disclosure file. XXXX and XXXX  sent my credit report only, so far they have not cashed the processing fee of {$12.00} or returned it to me. I have included attached cancelled check for processing fee, copy of letters to all 3 bureaus, copy of the XXXX XXXX Original bill showing account info. I would appreciate it if the CFPB engages all 3 Bureaus for Violating FCRA-Section 609 ( a ) ( 1 ) by not providing my Consumer Disclosure File. These reports I requested are crucial to me defending against another CA, that is violating Consumer Credit Reporting laws.

Kindest Regards

Company response to consumer: Closed with explanation