vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-10-08 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: PA

Complaint narrative:
I received a confirmation ( # XXXX ) letter dated XX/XX/2020 from Equifax regarding XXXX XXXX XXXX ( Account # XXXX ) informing me that my dispute for inaccuracy and incomplete information regarding was complete. 

In the letter ( pg. 3 attached ) it is noted by Equifax, the date of last activity has been updated. In the letter ( pg.4 attached ) the date of last activity field is missing the information Equifax stated was updated. 

I have previously asked them to remove account due to inaccuracy, which is now required by law, under the FCRA Sect 611. Request for immediate deletion of account from my credit file due to unverifiable information, per FCRA Sect 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 I allowed my niece transferred funds into my account from her account because she lost her debit card. I went into the branch to withdraw the funds and the branch manager locked my account. Ive been willing to bring my niece with her bank documents and Id but they wont allow it. Ive asked for them to close my account and return my money they wont. The branch manger is refusing to unlock my account and give me the money. Ive called US bank and they said that specific branch is the only one that can unlock it. Its been a month and my account is still locked. I havent gotten any letters or anything

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 2020-10-08 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS A FEW INACCURATE ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT YOU PLEASE HAVE THE ACCOUNTS INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a notice dated XX/XX/XXXX, from a XXXX XXXX, XXXX that a Judgement Creditor of Midland Funding LLC had a judgment against that I was ever contacted about as I was proved any documentation that I was to appear in court. I am a father of XXXX kids and during COVID19 I was unemployed for months. Thank go my landlord was nice enough to understand that I could afford the rent and now that I am back at work and I owe back rent to my landlord I can not afford at this time were so many people are faced with daily obstacles that place them on the border of being homeless afford to have my check garnished, especially for a judgment I know nothing about. This is horrible that this is happening. I will be going to XXXX XXXX XXXX and requesting that I be provided more information. My community is in the red hot zip code area for high XXXX cases and my kid 's school was shut down to have to deal with this is really unfair. Everyone in the country knows how this virus has affected people and to start garnishing people checks who can barely put food on the table is horrible. Please help me to understand what is going on. This is really unfair I ever received papers to appear in court on XX/XX/XXXX this is over five years ago. This is horrible that given what I have gone through being unemployed to now be threatened that a creditor who I have no idea who this creditor is, Now is garnishing my check is really inhumane and I was not informed is disgusting I have no idea to what is going on and I was ever informed that I was to appear in court back in XXXX no papers were send to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 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: AL

Complaint narrative:
I have asked for the original signed court document to prove this was mine and they wont show took 5 days investigation just not to prove anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I have been with Frost Bank over 5 years. Someone deposit fake checks into my account. Frost bank did not protect me at all. My account has NEVER been froze before, my account has NEVER been delinquent before and last but not least I have NEVER deposit checks into my account. Frost Bank allowed one of the fake checks to clear then went into locking up my account after they had already transferred the funds. As a long term customer I would have expected them to call me before releasing any funds off my account because as of today they open me a new account, I deposit my payroll check in that new account and they froze this account now as well stating they wanted to verify the check. My payroll is an active check and now after 8 hours they want to release the funds. I have not been able to eat today, get gas or feed my children. Frost Bank should have protected me in the first incident because now they have falsely held my payroll check today. Not to mention the only reason my payroll is in a check form is due to the first account being closed out I couldn't get direct deposit, it had to come in a check form. I have took a {$4000.00} lost from the first account of fraudulent checks. and now got my payroll check held. I'm not a happy customer after so many years of loyalty to Frost Bank and I will assure to push this out as far as I can!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am an infrequent user of Paypal but have had an account for many years. This year I find that I am unable to just call with a billing question and reach a person. I am directed to a " Chat '' where no one can answer my questions because it is a phone robot. I twice requested that an agent call me but no one did. When I tried to follow their instructions to file a formal complaint about their customer service, I was again directed not to a complaint form but the remote and useless " Chat ''. I can only conclude that there is no one home at Paypal!!!! I do not like the push to accept all their cookies. 

Can you help or direct me to someone who can? 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS A FEW INACCURATE ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT YOU PLEASE HAVE THE ACCOUNTS INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
I began the process of getting a mortgage in late 2019, I have no idea this collection was on my credit? I have mailed 5 bureau dispute letters requesting validation and proof this is my debt, plus I have mailed 3 direct letters to Convergent Outsource requesting factual proof, debt validation. I never received any response from Convergent? 

There is NO reported information on my XXXX report about this XXXX issue? 

I have uploaded all 3 letters mailed to Convergent Outsource with zero response from them!

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 2020-10-08 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: CO

Complaint narrative:
I sent a letter certified to Equifax in regards to three collections on my account. The collections account numbers are XXXX, XXXX, XXXX .They are reporting a collection with no original creditor. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon receiving it. They have not responded to the letter I sent and have since " verified '' the collection on my report without giving me any proof or method of their investigation nor providing an original creditor. Since Equifax has not disclosed this information and I am unable to contact the original creditor, please DELETE the following accounts from my credit profile immediately. 

I have attached the letter I sent to Equifax as well as proof of it being sent certified mail. XX/XX/2020 via tracking number XXXX XXXX XXXX XXXX XXXX and delivered XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TX

Complaint narrative:
On my credit report it shows my XXXX XXXX account still in collections. When it has indeed been resolved which means it is no longer in collections and needs to be removed off of my 3 credit 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 2020-10-08 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: CA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: West Central Texas Collection Bureau
State: CO

Complaint narrative:
I sent a request to validate that a debt on my report is accurate with West Central Texas Collection Bureau for account number XXXX reporting on my XXXX  report. The company responded without providing any validation or proof that the debt is legally mine. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. West Central Texas Collection Bureau has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt 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 2020-10-08 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: TX

Complaint narrative:
On my credit report it shows my XXXX XXXX account still in collections. When it has indeed been resolved which means it is no longer in collections and needs to be removed off of my 3 credit 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 2020-10-08 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: TX

Complaint narrative:
On my credit report it shows my XXXX XXXX account still in collections. When it has indeed been resolved which means it is no longer in collections and needs to be removed off of my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TX

Complaint narrative:
on XX/XX/2020 I resolved and settled my XXXX  account with XXXX XXXX. Which means my account should no longer reflect in collections on my credit reports. As the account is not in collections any longer.

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 2020-10-08 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: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
My loan with Nationstar Mortgage was in Forbearance. Before the end of the Forbearance period, in XX/XX/XXXX, I sold the property and the loan was paid off. Nationstar reported my loan 90-days late in violation of the C.A.R.E.S. Act. I contacted Nationstar by phone on XX/XX/XXXX when I checked my XXXX  score and was shocked, and sent information to an email address provided by the XXXX. I received no acknowledgement or response, and the message did not bounce. I followed up on XX/XX/XXXX by email and still have not received any correspondence from Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CA

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely 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 2020-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal asked me for a photo ID, I have used my PayPal account for 20 + years already. PayPal put a limited access tag on my account, I received ZERO NOTICE of this. PayPal is asking me for receipts of items from a distributor I sell on EBay but I do not have receipts as all  these items were bought by me on XXXX over the past 20 years. I am simply unloading/selling a collection of rock patches that average about {$9.00} a piece. I do not operate a business on XXXX. I have perfect 100 % + positive feedback on XXXX too, so there should be no need for PayPal to limit my account. By limiting my account, PayPal will not allow me to withdraw that funds I have in my PayPal account. I tried calling PayPal but when you hear the automated system state there is a wait time of 1 hour to 2 hours and they are going to transfer you to put you in line to wait for a customer service agent, PayPal then drops the call or in other words PayPal hangs up on you. There is zero way to resolve the matter online or over the phone then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 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: TX

Complaint narrative:
on XX/XX/2020 I resolved and settled my XXXX account with XXXX XXXX. Which means my account should no longer reflect in collections on my credit reports. As the account is not in collections any longer.

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 2020-10-08 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: TX

Complaint narrative:
on XX/XX/2020 I resolved and settled my XXXX account with XXXX XXXX. Which means my account should no longer reflect in collections on my credit reports. As the account is not in collections any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TX

Complaint narrative:
My account is resolved with XXXX XXXX and is no longer in collections. It is still reflecting in collection status on report. The account is no longer a active collection account and needs to reflect correctly

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 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX funds were taken out of my account as instructed through online billpay. The amount was XXXX which went to XXXX XXXX  and was received on XX/XX/XXXX. The funds have yet to be located by XXXX XXXX and my XXXX payment has yet to be posted to my account. XXXX XXXX   has the trace number and this has been an ongoing issue of researching where the funds went and they have yet to resolve this. I filed a complaint to suncoast fcu for them to put the missing funds back in my account so that I can pay my mortgage and to this day they have yet to do this. I desperately need my funds to pay my mortgage and avoid foreclosure. I have been receiving debt collections notices and foreclosure threats along with being reported as 30 days late to the credit bureaus. I reached out to them about two weeks ago and there is no time frame of when I can expect to have my funds placed back in my account. I asked if this could be expedited and was told I would hear from them within 24 hours and its been weeks now.

Company response to consumer: Closed with explanation