vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I called to schedule a payment, which was done. However, I called the loan company back and advised the rep to remove the bank info and Id like to update and use another bank to make my payment. I was advised the change was made. Well, they wasnt the case. They scheduled for {$1100.00} to be taken out of two accounts. They never processed the request to remove the incorrect account. Which they acknowledged the error they caused. Which caused me to have an NSF fee. After speaking with the payment research department, I was advised if I sent in proof, I would be reimbursed the NSF fee. I was advised by two different reps this would happen, I sent in proof and when I called back to check the status, another rep had informed me that I wouldnt be reimbursed and they have no way of doing that. My concern is this company is giving false information and not doing things they are telling customers theyve done. This is unfair business practice and unacceptable. Everyone is not on the same page here. Then I was told to take it up with my bank. But you caused this issue not my bank.

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 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from Equifax and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and Experian as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.

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 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-26 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: VA

Complaint narrative:
Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.

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 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I want someone to contact me by email about case XXXX or phone at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: CA

Complaint narrative:
IVE BEEN A MEMEBER OF EXPERIAN FOR 5 YRS RECENTLY THEY WILL NOT LET ME DISPUTE ONLINE AND TOLD ME THEY ARE GOING TO FIX THIS ISSUE ITS BEEN A YEAR NOW

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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I asked that PNC bank close my account in XXXX due to my account information being stolen. They said they did not want to lose my business and wouldn't close my account. As a result, the person who stole my account information so I couldn't log in check transactions charged my XXXX XXXX  and XXXX XXXX account off through PNC bank without my knowledge. I just saw the bank statement today after my relationship with PNC ended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a chapter XXXX bankruptcy which was XXXX on XXXX but reported on all three credit bureaus. I received a letter from the United States Bankruptcy XXXX explaining that they do not report bankruptcies to credit bureaus. I also have obtained a letter from XXXX XXXX verifying my security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a chapter XXXX bankruptcy which was XXXX on XXXX but reported on all three credit bureaus. I received a letter from the United States Bankruptcy XXXX explaining that they do not report bankruptcies to credit bureaus. I also have obtained a letter from XXXX XXXX verifying my security freeze.

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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Greetings, My name is XXXX XXXX XXXX. I am a USA citizen, who operates a day care center on New York XXXX. I have been open since the pandemic started working and saving during this pandemics hard times. On XX/XX/2022 I was charged {$30000.00} dollars via a ACH transfer from a unknown merchant. I am lost in words and destroyed inside my savings and money to be a home owner is gone. I have filed a dispute with the Wells Fargo bank XX/XX/2022. I also want the help of the CFPB to assist my claim and help me recover the funds that was unauthorized from my account. I have never gave or allowed merchant to charge my account. I work hard everyday to help kids and parents during this pandemic .Then a merchant steals {$30000.00} dollars from my checking account. I want and need this money back in my account as it was indeed unauthorized. I cant run my business without it. This pandemic has increased percentage of fraud and I was a victim. I ask for help recovering my money I believe this America and in our constitution.

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 2022-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have paid my debt off to XXXX separate Capital One accounts and Capital One refuses to remove this debt account from all three bureaus. I have tried to resolve this on my own by explaining to Capital One that I fell on hard times but this is not a reflection of who I truly am this is why I paid my debt. Capital One continues to reach out to me and send me advertisements about pre approvals when I have asked for them not contact me any further, I no longer want them to contact me and I have declined every offer from Capital One. At this point Im feeling harassed and taunted. These accounts were removed from my XXXX report but not from XXXX and XXXX and I do not understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: MS

Complaint narrative:
There has been several wrong items on my credit report. I am a victim of identity theft and as result fraudulent inquiries and charges that have been made on my credit card accounts and a misrepresentation of my creditworthiness is publically displayed to lenders thus causing financial hardship and premature denial of 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 2022-02-26 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: VA

Complaint narrative:
Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from Equifax and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: VA

Complaint narrative:
Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and Experian as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.

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 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Credit Card Account XXXX XXXX XXXX XXXX XXXX ) was sent to the credit bureaus as a XXXX late in XX/XX/2022 which took my score down XXXX points with Experian. 
I was issued two cards one with a $ XXXX limit and the other $ XXXX limit. One of the cards was compromised and a new one needed to be issued. After receiving the new card, it was not automatically set up on auto payment as the one it was replacing. Unbeknown to me their new website would not roll over the same auto payment information from the previous card or let a member set up auto payment anymore. Therefore, I called to get it all straighten out. I spoke to a person that told me the best thing to do was to combine the two cards that way it would only be one card. So of course, I agreed, then come to find out they kept the card that had previously been reported 30 days late. For some reason they are the only ones that can process automatic payments on their side. I disagree to have a XXXX late reported on my credit reports, due to it was not my fault they upgraded their system and without my knowledge my cards were no longer on auto pay.

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 2022-02-26 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Companys refuse to remove from credit reports sent multiple reports XX/XX/2020, XX/XX/2020, XX/XX/2020 all with attached police report letting them know this account is not mine and was open due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MO

Complaint narrative:
I was notified that my account was paid off and as a result closed the account. Discover card then contacted me and told me the account wasn't paid off and that they would not reopen the card but continue to charge me the balance until after it was paid. XXXX was notified and sent the charge through and then reverse the charge after I was told that it was handled correctly. I received bank statements today after being locked out of my account for months and reporting my username and password as stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-26 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:
There has been several wrong items on my credit report. I am a victim of identity theft and as result fraudulent inquiries and charges that have been made on my credit card accounts and a misrepresentation of my creditworthiness is publically displayed to lenders thus causing financial hardship and premature denial of 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 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND BACK IN XX/XX/XXXX I SENT IDENTITY THEFT DOCUMENTS TO THE CREDIT REPORTING AGENCIES REGARDING A FRADULENT ACCOUNT REPORTING TO MY CREDIT REPORT, ( XXXX # XXXX ) THE ACCOUNT WAS IMMEDIATELY BLOCKED DUE TO IDENTITY THEFT ON ALL 3 CREDIT BUREAUS. A WEEK LATER THE ACCOUNT WAS REINSERTED TO MY CREDIT FILE WITH NO 5 DAY NOTICE AS REQUIRED BY THE FCRA AND IS A VIOLATION. WHILE IN COMMUNICATION WITH XXXX IS HOW I FOUND OUT THE ACCOUNT WAS REINSERTED BACK TO MY CREDIT FILE. XXXX IMMEDIATELY BLOCKED THE ACCOUNT FOR THE 2ND TIME AND A FEW DAYS LATER THE ACCOUNT HAD AGAIN BEEN REMOVED FROM EXPERIAN AND XXXX ( FOLLOWED SUIT ) FAST FORWARD TO XXXX WHILE CHECKING MY CREDIT I REALIZED EXPERIAN HAD YET AGAIN REINSERTED THE FRADULENT ACCOUNT AND AGAIN NO REINSERTION LETTER WAS SENT TO ME WITHIN THAT 5 DAY WINDOW AS REQUIRED BY THE FAIR CREDIT REPORTING ACT. I IMMEDIATELY SENT EXPERIAN ANOTHER ROUND OF IDENTITY THEFT DOCUMENTATION AS WELL AS A REINSERTION LETTER ADVISING THAT NOT ONCE BUT TWICE THEY FAILED TO NOTIFY OF A DELETED/BLOCKED ACCOUNT BEING REINSERTED TO MY CREDIT FILE. A MONTH LATER AND NO REPLY TO MY DISPUTE TO HAVE ACCOUNT REBLOCKED DUE TO VIOLATION OF THE FAIR CREDIT REPORTING ACT. THE ACCOUNT WAS NEVER REBLOCKED NOR WAS IT PUT INTO ANOTHER DISPUTE NOR HAVE I RECEIVED ANYTHING IN WRITING THAT MY DISPUTE WAS RECEIVED. I THEN SUBMITTED ANOTHER DISPUTE FOR IDENTITY THEFT REQUESTING THE ACCOUNT TO BE BLOCKED OR TO PROVIDE ME WITH VALID VERIFICATION OF HOW THEY VERIFIED THIS ACCOUNT AND ADDED THE ACCOUNT BACK TO MY CREDIT NOT ONCE BUT TWICE.I HAVE REQUESTED PHYSICAL DOCUMENTS THAT WERE USED TO VALIDATE THIS FRADULENT ACCOUNT TO REMAIN INACCURATELY ON MY CREDIT FILE. PER MY USPS TRACKING # XXXX MY DISPUTE PACKAGE WAS DELIVERED TO EXPERIAN XX/XX/XXXX AND 2 WEEKS LATER I HAVE YET TO RECEIVE A RESPONSE TO MY REQUEST FOR PHYSICAL DOCUMENTS TO PROVE HOW A FRADULENT ACCOUNT WAS ABLE TO BE ADDED BACK TO MY CREDIT FILE 2 TIMES AFTER BEING BLOCKED. EXPERIAN IS IN SERIOUS VIOLATION OF FCRA AND HAS REFUSED MY REQUEST FOR DOCUMENTS OR THE IMMEDIATE REBLOCKING OF THE REFERENCED ACCOUNT. THE CREDITOR, XXXX # XXXX HAS SINCE ADVISED ME THEY HAVE CLOSED THE ACCOUNT DUE TO IDENTITY THEFT AND EXPERIAN REFUSES TO INITIATE A NEW DISPUTE OR BLOCK THE ACCOUNT. AT THIS POINT MY NEXT RESOLVE IS FILING A LAWSUIT AGAINST EXPERIAN AND I PLAN TO DO SO IF THEY REFUSE TO HELP WITH THIS 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
Consumer complaint received 2022-02-26 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: GA

Complaint narrative:
Companys refuse to remove from credit reports sent multiple reports XX/XX/2020, XX/XX/2020, XX/XX/2020 all with attached police report letting them know this account is not mine and was open due to identity theft.

Company response to consumer: Closed with explanation