vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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: CO

Complaint narrative:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this item however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is seriously harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion should not be reporting that I am ( 120 ) days late on the XXXX  XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it would be impossible to be late on an account that has no balance due. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this item however, I have not been successful.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been patiently waiting for a response from the bureaus and have not been notified. 
I am asking them to simply to Validate the accounts that are reporting on my credit report. They have sent a copy of my credit report but it does not address the items that I am asking to be investigated/ updated and removed. Please investigate the accounts I have included on my letters that needs to be validated.

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 2021-06-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
There are a couple of accounts that does not belong to me and i want to remove them. See bellow the list : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-06-07 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: NY

Complaint narrative:
Capital One is the bank where i have a joint account with my mother. Recently, all local branches in my area were closed. As a result, I went on the Capital One and used the branch locator feature, which directed me to various ATM locations, including ATMs at XXXX and at XXXX XXXX. I used an ATM at each location because I believed the branch locator feature was directing me to an ATM that was a Capital One access point and that I would not be charged a fee. Unfortunately, I was charged fees at each of these ATMs. I called Capital One and they agreed to reimburse the fees. However, the branch locator feature is deceptive in that it makes you believe you can access your account as if you were going to a branch, when in fact, that is not true. To make matters worse, there are no branches in the area sufficiently close. How on earth are people who can not drive or use mass transit able to access their accounts without fees if both the branch locator feature is deceptive and there is nothing reasonably available within a short distance? 

This is problematic and I don't think reimbursing the fees really solves this problem. I will still have no ATM near me at which I can access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: GA

Complaint narrative:
Account opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
There are a couple of accounts that does not belong to me and i want to remove them. See bellow the list : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

2. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX DSNB Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am victim of Identity Theft.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been patiently waiting for a response from the bureaus and have not been notified. 
I am asking them to simply to Validate the accounts that are reporting on my credit report. They have sent a copy of my credit report but it does not address the items that I am asking to be investigated/ updated and removed. Please investigate the accounts I have included on my letters that needs to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
Collection Bureau Hudson Valley Inc. continuously attempts to collect an alleged debt that they claim that I owe them. They then reported the alleged debt to the 3 credit reporting agencies ( XXXX, XXXX  and XXXX  ).

In the process they have broke several laws, identity theft/fraud by obtaining my personal information without my consent, invaded my privacy by illegally obtaining medical records without my consent.

They violated 15 usc 1692b ( 2 ) by stating that I owe a debt ( which I provide proof of on exhibit A ), 15 usc 1692b ( 5 ) by using language and symbols on their letter that they mailed to me which shows that they are a debt collection agency ( their name alone gives away that they are a debt collector ), 15 usc 1692c ( 1 ) by communicating with me without my consent, 15 usc 1692e ( 2 ) ( A ) by claiming I owe an amount of {$510.00} but sending a bill thats in a positive amount. If I owe something it should be a negative balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I currently have a membership with Experian and My Fico. Experian is reporting my Fico 8 score as XXXX. This information was updated on XX/XX/2021. My Fico is reporting my Fico 8 score as XXXX as of XX/XX/2021. I contacted both agencies about this discrepancy and My Fico is claiming that Experian hasn '' t provided them with an updated 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 2021-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
XXXX wakefield and associates date again XX/XX/2021 debt XXXX. Phone XXXX : bride code g, address XXXX XXXX XXXX XXXX Tn XXXX collection. I had another problem with this same company last month XX/XX/2021 I reported to your company about different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Card : Chase Intercontinental On XX/XX/XXXX and XX/XX/XXXX, my credit was used by someone at XXXX XXXX store. I immediately contacted Chase when I saw these transactions on my statement that I did not recognize and was told by Chase fraud and customer service that these would be taken care of. They credited me but then these charges somehow were added back to my statement that I did not realize until XXXX. I called them again but was told they could not verify it was not me who used the card and made the purchases ... I requested an investigation - 20 days later, I got an email from Chase saying they have looked into it and decided these should be my responsibility - no one called me to explain why. At this point, late fees and interests were also added to this card. I called them again was told they needed additional documents to prove - fine, I went to the XXXX XXXX store and the store manager was able to help me print out the detailed transactions, turns out that the person who used my card bought a bunch of gift cards then used those gift cards to self check out at that store - how is this not suspicious ...? The store manager also told me they could provide video footage to Chase if they contact them, due to privacy reasons they are not able to share directly with me. I immediately sent these to Chase to let them know what the store manager told me - no response. Till today I'm still responsible for the charges, late fees, and interest fees. Plus, my credit score went down 101 points today because of this. 

I'm making an official complaint and request an investigation of this matter. Please let me know if I can provide anything else to help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: KY

Complaint narrative:
I have called and email Equifax my driver 's license and social security card and paycheck stub with all of my person information on it, I have an twin sister whose information is on my credit report, I don't own a home but her mortgage is on my credit report and some of her other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: MA

Complaint narrative:
Hi, my name is XXXX XXXX and i was going through my credit about 2 accounts attached here that continues to show on my credit report, but however, it's my understanding that XXXX XXXX was involved in litigation in the way that they writing loans to their consumer. It was my understanding that there were alot of fraud going on, but also, this account is not verifiable because there are multiple inaccuracies reporting. Such as 3 different dates of last open, dates of last active, dates of last payment, dates of last reported, dates of 1st delinquency, inconsistent with the payment status and payment history. It's my understanding that once an account is charge off, sent to collection and closed, there shouldn't be any more payment history reported after. Also, the 1099c balance is questionable with the balance reporting. Please investigate and delete as it's not verifiable and too many violations reporting.

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 2021-06-07 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: MA

Complaint narrative:
Hi, my name is XXXX XXXX and i was going through my credit about 2 accounts attached here that continues to show on my credit report, but however, it's my understanding that XXXX XXXX was involved in litigation in the way that they writing loans to their consumer. It was my understanding that there were alot of fraud going on, but also, this account is not verifiable because there are multiple inaccuracies reporting. Such as 3 different dates of last open, dates of last active, dates of last payment, dates of last reported, dates of 1st delinquency, inconsistent with the payment status and payment history. It's my understanding that once an account is charge off, sent to collection and closed, there shouldn't be any more payment history reported after. Also, the 1099c balance is questionable with the balance reporting. Please investigate and delete as it's not verifiable and too many violations reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX provided me with a consult to have a procedure done, I told them I hadn't decided yet and wanted to wait. I was asked if I wanted to check with their lender to see if I qualifed for financing, I said ok. 

Ally Lending XXXX XXXX XXXX XXXX XXXX NY sent me a payment for {$110.00} towards a {$2900.00} loan. I told them I did not have any services rendered and did not wish to do so, they are filing with XXXX. 

I spoke to XXXX and they were very adamant that I had signed a contract. I told them I would not be doing any services with me and they held the attitude that I had signed a contract. 

I unknowingly must have signed when I filled out the info for Ally credit. I will not be receiving services from them and I will not be paying any money, however I'm worried how this will affect my credit. 

Just this morning they sent me a new contract to sign. 

Please advise, I believe XXXX Image runs a scam, to push people into using their services.

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 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VI

Complaint narrative:
Capital One Has continuously called me by phone and harassed me and also continue to send me mail through the us postal services stating they are a debt collector trying to collect on a debt knowing I am a consumer and I have rights based on 15 usc 1601 ( Truth in Lending Act ) ... and they have also made false reports on my consumer reports.I would like this to be handled in a timely manner please. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
Since XX/XX/2021 XXXX online banking has decided to put my account on hold for reviewit has caused me to not be able to receive any direct deposits and pay any bills. They told me that customer service couldnt do any thing on their end and I would have to wait till the review was over. Ive tried to closed the account and they wont allow me to do that. there has not been any suspicious activity on my account and I have my debit card. They wont give me any information and keep telling me I have to wait till the review is over. This has been a huge inconvenience for me and not being able to use my funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: NC

Complaint narrative:
I filed bankruptcy in XXXX, but my FHA loan with Wells Fargo was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to Wells Fargo to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my XXXX  report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a Wells Fargo Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent Wells Fargo the closing statement from when the property was sold and copies of my credit report showing the change.

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 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
No debt due as there was no services provided. Apartment charged for Security Deposit but never lived at the property or signed a lease, attempted to dispute with debt collector but they refuse to release me after giving evidence.

Company response to consumer: Closed with explanation