vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: PA

Complaint narrative:
HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent a wire transfer with Chase JP Morgan on XX/XX/XXXX to XXXX XXXX XXXX in XXXX XXXX account # XXXX Beneficiary Agentes XXXX XXXX XXXX, XXXX XXXX XXXX, for the amount of {$18000.00} XXXX dollars. 
I sent this money to pay off a timeshare but they never received the transfer. I went to the back and tried to open an trace or investigation with the fraud department but they are not answering the phones at all. email was sent through the app but no response yet. 

As per XXXX XXXX the wire transfer takes about 10 days to clear on the beneficiary account and is only been 7 days. email was sent to start an investigation on their end as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: NV

Complaint narrative:
I have attempted on numerous occasions, via online dispute, mail and telephone calls, to obtain all information Experian used to validate/verify an erroneous account listed on my credit profile - XXXX XXXX XXXX. Attempts to verify this account with Experian have been fruitful. The other two credit bureau 's, XXXX and XXXX were unable to verify this erroneous account belonged to me and promptly deleted the account. Attempts to have this erroneous account or deleted by Experian have been futile. I have been the victim of identity theft and have been fighting with erroneous information on my accounts, for the last two years. I am at my wits end, as this erroneous account has lowered my credit score, has prevented me from obtaining additional credit and gainful employment. I am at my wits end with Experian 's lack of response to my letters sent in 2020 ( XXXX, XXXX, XXXX ). My last recourse is to speak with legal counsel if they can not provide validated/verified proof that this erroneous account belongs to me, along with all methods used to gather data.. 

I want Experian to provide to me all information, data and and efforts used to validate/verify this debt. If they can not do so, then this erroneous account, must be deleted from my credit 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 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have been a victim of a scam. I am unemployed and seeking work. I built a resume on XXXX XXXX and a company reached out for a virtual job interview. I accepted. The interview was at XXXX XX/XX/2020 and went til XXXX. I accepted the job offer and the company sent me an employee letter and XXXX to fill out. They sent a check over night for me to deposit and this would be used as my start up equipment. I was to begin training immediately after receiving my equipment. The check was deposited on XX/XX/XXXX. I was required to pay, using the funds once the check was cleared, to a trusted vendor that would send me all the programs needed already downloaded on the laptop. My bank has said theres nothing they can do once I started to suspect anything and XXXX has only sent an email saying they are not responsible. Hours after this happened while I was on hold with my bank for 1 hour I was losing access to mobile banking. Since I am unemployed and have only the government funds I receive for unemployment I now am required to use that money to live off of and start making payments to my bank for the transaction. I am upset because I disputed these transactions and us bank ran an investigation which no one contacted me to inquire about this and they do not have all the details so how did they complete the investigation? XXXX needs to take out their main add that they are backed by big banks so its safer than XXXX. And the banks need to help us as our financial institution. The scammers are getting too good for everyone to know how to handle these situations. Disappointed in everyone involved with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: ME

Complaint narrative:
I have no job, due to the ongoing COVID-19 pandemic, with no hopes of a job coming soon. I have XXXX young children, one of which being XXXX. Sallie Mae reached an agreement with me for repaying at a lower amount, took out the agreed upon amount three months in a row, and is claiming I didn't qualify for the lowered payments and has since put my loan into delinquency, while taking a very large amount from my bank account monthly. I spoke with XXXX XXXX and t`he phone call is recorded and my bank statements coincide with the agreed upon money withdrawals. Sallie Mae claims they denied me for this lower monthly payment plan on the XX/XX/XXXX but I received no documentation of this denial and Sallie Mae followed through with automatic withdrawals of the agreed upon {$510.00} from my bank account on the agreed upon dates which was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, skipping XXXX payments and resuming the withdrawal of the XXXX dollars on XX/XX/XXXX.They continue to harass me and say I have to pay more than the {$510.00} a month that was agreed upon on XX/XX/XXXX. With no job, it has been extremely difficult to even get the money in my account for withdrawal and Sallie Mae insists I must pay them more than double the already outrageous amount we agreed on.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 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:
there are several fraudulent accounts open that have reflected on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: GA

Complaint narrative:
there are several fraudulent accounts open that have reflected on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: CBC Companies, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I reported 5 unauthorized inquiries to XXXX and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both XXXX and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, I purchased a wool cat bed as advertised on XXXX. The cat bed I purchased was shown to be a thick felted wool, blue and aqua in color. The cost was {$21.00}, with {$5.00} shipping, and I paid with PayPal, understanding that PayPal would back me up if anything was wrong with the transaction. 

About XX/XX/XXXX, a package arrived from XXXX. Inside were two pieces of rough grey material, a stiff, thin fabric. It was in two pieces that you zip together, unlike the one-piece bed shown on the website I had ordered from. It in no way resembled the cat bed in the photographs on the website. 

I filed a complaint with PayPal through their resolution center. Initially, the XXXX seller offered about half of my purchase price back ( about {$14.00} ), but that was not satisfactory. Then he or she offered a full refund IF I would ship the bed back to XXXX. Of course, shipping back to XXXX is very expensive, and would cost more than the cost of the cat bed, so I didn't do that. PayPal then closed the case in favor of the seller. 

I have since learned that this is a known scam. The scammer appropriates photos illegally from the XXXX. website, and publishes them on their own website. When buyers finally receive their shipment and see that the item is nothing like that promised, they are stuck. 

What particularly angers me about this is that PayPal enables these scammers, siding with them, and not the buyers. PayPal should be working to put the scammers out of business, standing behind the honest buyers. These scammers use the advantage of very inexpensive shipping FROM XXXX to the US, but the reverse is not true. They pocket money for items that they have no intention of fulfilling honestly. 

PayPal 's " we'll stand behind you '' guarantee is an absolute falsehood. They stand behind scammers, enabling fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: PA

Complaint narrative:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TX

Complaint narrative:
On XX/XX/2020 I reported 3 unauthorized inquiries to Equifax and creditors. 
After more than 30 days of the complaint, neither the creditors nor the XXXX have removed these unauthorized inquiries, nor validated them. 

Per FCRA the XXXX and the creditors have 30 days to verify or remove the unauthorized inquiries and both Equifax and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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:
there are several fraudulent accounts open that have reflected on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2020 a claim was done in the bank by a teller for {$1900.00} from XXXX  XXXX XXXX  which they disputed transactions from a hotel that had a lot of billing errors from two  of my checking accounts {$530.00} with capital one bank. The Dispute department canceled the claim the first time and did not issue all funds due for my accounts as well as they did not handle the dispute in the proper manner as charge back and did not get information from the merchant treating me very unfairly as by law and a loyal customer. When going back to the bank they then reopened the claim of {$1500.00} and XXXX . They then again did the same and canceled the claim as of last week before it was even properly looked into and have my accounts in the negative due to there incorrect handlings by law as I have consumer rights and now threatening to close out my accounts that I've had for years that they have a lot of errors in to cover up there wrongdoings. I ask that these matters please be looked into ASAP for this has created a greater financial burden on me as well as my XXXX year old child in the middle of a crisis as this pandemic and we are in need of help. Please see that these matters are corrected as you can pull all recordings from the dispute departments recordings. To many discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I had sent out dispute letters regarding accounts on XXXX XXXX, XXXX to fix the inaccurate information on my credit report.

1. Late payments were added to one of the closed accounts which the account was closed on XX/XX/XXXX. 

2. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 3. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 4. The Date of Last Activity of the account is reported differently. 
XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: PA

Complaint narrative:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: PA

Complaint narrative:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: CORELOGIC INC
State: TX

Complaint narrative:
On XX/XX/2020 I reported 3 unauthorized inquiries to XXXX  and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both XXXX  and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2020 I reported 3 unauthorized inquiries to XXXX  and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both XXXX  and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I called Shellpoint to follow to look at options to avoid losing my home. This was XX/XX/2020. The rep specifically told me that they would do a loan modification and to call back on XX/XX/2020 to get the new payment and terms. I did as I was told. I was passed around to several people and then told a supervisor would call me back. I never received a phone call. I followed up today ( XX/XX/2020 ) only to find out they are taking my home. I explained that I never received a call back and was told this was already approved. Now I'm told that they denied it. I have never received notification of this. I was told that I would receive a call back today ( XX/XX/2020 ) by a supervisor to work this out. I was given a direct email to XXXX XXXX to ensure I would be contacted today. So far nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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:
Hello, you wrote on my credit report ( about my credit card, XXXX  XXXX ) that on XX/XX/XXXX and XX/XX/XXXX, I didn't pay XXXX  XXXX on time. This is your mistake, and I have always paid all of my payments on time. Attached is a letter from XXXX XXXX, that you made a mistake and that I did pay on time for both of those dates. Please fix this immediately my payment history with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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:
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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