vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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: ME

Complaint narrative:
Starting in XXXX, 2018 my Equifax credit report appeared to stop updating. Account balances did not change and no new information was added. The report was correct in every other way as to my personal identification. Both my XXXX  and XXXX  reports continued to be update correctly. After watching for several months, I opened a dispute with Equifax. They looked only at two accounts for the dispute. They manually corrected both accounts to current information. However, no further updates ever arrived.

My credit report is frozen so I attempted a thaw and freeze to see if that would help, but it did not. Again in six months, my score dropped due to inactive accounts. I again contacted Equifax and two accounts were once again manually updated but subsequently stopped. 

I again opened a dispute for the third time after my score dropped from XXXX to XXXX. Once again a couple of accounts were updated but no further action. Even newly opened accounts have not appeared on Equifax. 

Once again as of XXXX, my score has dropped to XXXX, while my XXXX  and XXXX  are over XXXX. 

I do not know how to get to someone at Equifax who can actually research my report properly to determine why updates have stopped. The accounts in questions are from major companies such as XXXX XXXX and XXXX XXXX. I simply can not believe my information is not being reported to Equifax yet arrives correctly at the other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
The company is PayPal, they been holding my money for more than 180 days, i cant access my account since I dont have my old number the one associated with the account, they have the worst customer service ever, I been emailing them trying to solve the problem as their call center is closed, I XXXX trying to resolve this problem for over 3 months now emailing them every single day to get simple responses as just log in? Like didnt I just explain that I dont have access to the account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
I have contact this company for years and send dispute letters to credit companies. I have requested proof or verification of this account. This company does not comply in deleting an inaccurate debt on my credit report. They do not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/20 at XXXX CT I received a text message from an unknown number stating it was a Fraud Alert for a suspicious charge on my Chase Sapphire Preferred Card. Since this alert came from a different number than the rest of my Chase Credit Card Alerts, I attempted to call customer service using the number on the back of my card to verify the legitimacy of this alert. However, every time I attempted to call, it would auto-route me to your fraud department, which was closed, and would not allow me the opportunity to connect to an actual person to confirm. I ended up replying to the text message stating that this wasn't me and I received an auto-response stating that my card was closed and I'd receive a new one. No additional information was provided and I still couldn't get through to anyone at Chase to tell me the timing of receiving a new card or what I should do for any pending transactions. I appreciate the proactive approach of detecting suspicious activity and understand that the fraud department temporarily reduced their hours because of COVID, however, it is extremely unfair, deceptive, and abusive to shut a card off and  provide no additional information or alternative, especially since no where on the website is it stated that they're operating on reduced hours and no additional information can be found anywhere. What if I was traveling abroad and the card would be shut off? I'd be stranded with no one to talk to and no way for paying for my travel accommodations. But apparently Chase doesn't care about that. If you're going to shut down the Fraud Department at XXXX ET, you need to provide an alternative solution for individuals who rely on their card. I had to call back numerous times and type in random numbers to bypass the automated system and get connected to a representative, who couldn't answer any of my questions since my account was blocked due to the suspected fraud activity. THIS IS UNACCEPTABLE. The poor response and horrible execution on this process has potentially lost Chase a customer, as I'm going to explore different credit cards, especially ones that care about their customers and don't conduct business in potentially illegal manners that violate consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: NJ

Complaint narrative:
I am a 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 2020-10-06 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: TN

Complaint narrative:
Remove incorrect information from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: NJ

Complaint narrative:
I am a 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 2020-10-06 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: NJ

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: TN

Complaint narrative:
Remove incorrect information from my consumer reports

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 2020-10-06 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/2020 I sent LexisNexis out a letter asking them to provide the documentation of how and who they spoke to, for them to supply the credit bureaus with a bankruptcy on my credit report. After 50 days and no response I sent out another letter on XX/XX/2020 stating that since they have not provided any details or responded on how they received information of a bankruptcy on my behalf, that they needed to remove it, and share the deleted details to the credit bureaus XXXX, XXXX, and XXXX. Lexis Nexis has not yet responded to either letter in which I have tracking on, so I'm moving on to the next step with this complaint. I also sent LexisNexis a letter telling them to put a Security freeze on my account/report so that no one else can receive any information about myself. Well I just received a letter from a credit union stating that they received information from LexisNexis when that should not have happened because a security freeze was supposed to be put on my account months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I put in 60 day notice, and honored my lease. I do not owe this company anything! This company has the Audacity to say i owe them anything when they have done absolutely nothing but stolen from me and made my son sick! 
while i resided their, i learned from my sons pediatrician that his LEAD level was a 7.5 which is 3.5 points away from hospitalization!!!!!!!!!! This scum of apartment complex could have killed my son! we haven't lived there for 3 months and although his levels have went down a little they are still high! my son is on strict pediatric supervision right now! I pray that they shut this place down before they kill a child! 
ALso while i was there their staff stole my iphone, ipad, and LV shoes!!!!!! they have also tacked on charges i didnt owe to my account all the time! 
Everything breaks in that apartment, it flooded because their pipes were bad 4 times when i was living there. all of my items got damaged! Unsanitary living conditions. We were left with no water, no running toilets, no lights multiple times. My XXXX year old son and i lived in XXXX their!!! i cant believe they have the nerve to say I OWE THEM ANYTHING!!!!!!! I called last month and talked to a male at the front desk who even confirmed i dont owe anything and to disregard the letter i received!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been making on-time payments on this line of credit until furloughed from my job in XXXX due to COVID-19. I informed Wells Fargo of this fact. They put me an a covid relief plan but did not stop charging me interest. But they also closed my account. 

I received a response dated XX/XX/2020 informing me that they will extend my covid disaster payment relief only until XX/XX/2020 as well as waiving the interest fees previously levied. However, I now see an interest charge of {$67.00} posted on XX/XX/2020. 

I am still unemployed as my furlough has been extended to end of 2020 and have no ability to continue to make payments from XXXX especially with interest charges. I would not want to default on this account. 

I would that Wells Fargo suspend interest charges and payments on this account till the end of 2020. Alternatively, I can make a lump sum payment of {$1000.00} in consideration of full payment on the account. The account balance is {$2600.00}. 

I do want to do the responsible thing and pay off this account, but I need Wells Fargo to do the right thing as well. Considering the extraordinary circumstances. I would think that given all the issues Wells Fargo has had with unethical practices towards consumers you should take an extra effort to act in an ethical manner.

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 2020-10-06 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: NY

Complaint narrative:
I am a 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 2020-10-06 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: NY

Complaint narrative:
I am a 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 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2020, I sent a USPS certified letter ( tracking # XXXX ) to Credence Resource Management LLC to provide verification and proof of debt. I copied and pasted below the same letter I sent to them, but I crossed out my personal information for today 's complaint. On XX/XX/2020, I only received an XXXX XXXX XXXX bill and a letter stating, " Our office is in receipt of your request to verify the above referenced account. Enclosed is the account summary response to your request. If you have any questions or require any additional information, please do not hesitate to contact our office at the number listed above-Sincerely, Credence Resource Management LLC '' I did not receive any information that I requested for verification, primarily if they are legally licensed in my state since their office is located in Texas. 

Copied & pasted letter below XXXX XXXX Name : XXXX Creditor Account No : XXXXXXXXXXX Credence Reference ID : XXXXXXXXX This letter is sent in response to a collections phone call I received on XX/XX/2020 at XXXX pm from Credence Resource Management LLC. I am requesting that you provide verification of this debt within two business days of receiving this letter to my home address, XXXX in order to speed the process and stay within the 30 days. 
Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed.

2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Contract with proof of my signature. 
4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.

5. Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXXXXXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
I currently have a loan with Sofi at 11.731 % with a balance of roughly {$47000.00}. I was looking to lower my rate and monthly payment on other personal loans I hold and looked at Sofi to see if I was eligible for additional funds to solve for this and was pre approved ( not pre qualified ) for a 60 month {$50000.00} loan at 8.587 %. I uploaded all of the necessary documents XXXX pay stubs, copy of driver 's license ) and submitted to underwriting. 

To my surprise my application was denied due to " poor credit performance with Sofi ''. I have had three loans with Sofi and never missed a payment. I have never missed a payment on any loan and have a credit score of XXXX. When I called to question why I was not approved, I was basically told that the decision was based on a black box calculation and because the customer service representatives are not loan originators, they could not help me. They said that if I were to apply to refinance my loan instead that I might have a better chance. I started a refinance application and was given another pre approval with a rate of 11.60 % on a 60 month loan. 

My first issue is that I was pre approved for the loan and know that Sofi must have information regarding my credit history to give me that designation. My credit is clean and I have not taken on more debt since originating my last loan with Sofi. As a current loan holder and much of my information pre-populated, I was led to believe that Sofi already knew my credit history through a commonplace " soft pull ''. How is it that I could be denied for " poor credit performance with Sofi '' if I have never been late on a payment and am actually paying {$260.00} extra per month on my current loan. By misleading me that I was pre approved and allowing Sofi to run my credit, I have hurt my credit score and made it less likely that I will be approved by another lender. 

My second issue is the discrepancy between the rates I was given for the loan I was denied and the refinancing rate. It seems to me that they are gouging me based on my current rate. Presumably they would have no further information on my credit history for this refinance application than they had on the loan I was declined for. While I understand the right of the company to price different products differently, this seems unethical at the least Thank you for your assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I do not own anything to this company, have never signed, picture xompany wont provide anything to testify it was me. I had no clue of this account and its affecting my credit really bad

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern, I XXXX XXXX is stating on 2019 I hired XXXX XXXX  and XXXX XXXX The lawyers name was XXXX XXXX XXXX my actions was to get my finance together with payment 's paid to the creditors every month but the payment arrangements was not livable and none the paper work was filed to the creditors paid the company XXXX $ fired them for non-compliance asked for a refund never got it. WE never went thru the whole process of the bankruptcy I never went to court to finalize .I got a dismissal letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Peer Advisors, LLC
State: VA

Complaint narrative:
My husband we did a reverse mortgage back in and XXXX or XXXX The company XXXX XXXX came to us we never wake looking for there they made us think it was a great deal they knew I was under the age meaning that XXXX and now I'm one of move my home because of this XXXX  movr me my husband XXXXI believe with XXXX XXXX  Reverse mortgage during that time my husband was over XXXX I was still in my early XXXX Then a new Reverse mortgage company XXXX  called Celink took over in XXXX or XXXX my husband passed away XX/XX/XXXX from that point they contact me I'm living in our home Me and our XXXX XXXX XXXX son and then that's when you know I'm receiving forms To be signed and notarized plus I had to get the XXXX  XXXX lean off the account which was already done the same day should have been removed would never was all this information which I sent it to them requested everything and they sent XXXX paperwork that had to be notarized and signed off I did all the next thing thrir wanted I know in XXXX their telling me that I was not approved a can not stay in my home unless I paid off the mortgage or short sale or Refinance so me and my son have to move on find something my credit is not the greatest but I'm living in my home and now the plan on for closure on my home and I don't have any help would trying to remain in my home XXXX XXXX XXXX XXXX  XXXX Virginia XXXX my telephone numbers XXXX I am paying the taxes and Insurance the insurance has been paid monthly

Company response to consumer: Closed with explanation