vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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:
I received a copy of my credit report and noticed fraudulent accounts this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX is reporting fraudulent information on my QVC account. This account is paid and been paid for over two years. How can I have missed payments and how can QVC Be a credit factor.

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 2021-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TN

Complaint narrative:
While securing our mortgage we had to include escrow fees up front..After 2 years now with them switching names back forth ( still the same company ). Now they say I am {$1700.00} short on my escrow..Their answer raise my payment {$500.00} for 1 year = {$6000.00} XXXX My original payment was {$1700.00} ... New payment $ 2,242..I actually believe they are trying to force my wife and I into default which they calmed this month since I did not pay the extra last month while trying to work things out the paper said I owed {$2700.00} while talking to the representative about the situation .. She stated I owed {$2900.00} to meet my obligations.. I am a XXXX veteran and this has put my wife and I in financial bind .. Truck payment or house payment ... I do not know exactly what or You is behind this ..But Im asking You what are my rights as a XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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:
I have recently reviewed my credit report and have noticed that XXXX XXXX, Transunion and XXXX report false and inaccurate historical data. I have provided the information to show the reflection of FCRA violations that are currently reporting on my credit file ( bank statement, payment receipt, the false credit entries presented by XXXX and Transunion ). I am requesting the complete removal of the negative tradeline from my report, as result to multiple FCRA compliance violations that these institutions engage. 

These inaccuracies include : Reporting 120 days late XX/XX/XXXX, and 120 days late XX/XX/XXXX which would be impossible as this is only a 30 day time frame. This inaccurate historical data makes your claim impossible to determine an accurate chargeoff date. You falsely report 120 days late within a 60 day period. That makes no mathematical sense and is completely inaccurate and false. 

XXXX XXXX reported 14 months of late payments after the account was reported as charged off. 

Payment was made XX/XX/XXXX in the amount of {$500.00} to satisfy the entire balance of the collection account, yet XXXX XXXX falsely reported the account as a late payment and charge off for XXXX of XXXX. 

I disputed the inaccuracies to XXXX XXXX and they responded with a letter. The body of the letter states The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. 

XXXX XXXX lied and claimed to be following the FCRA laws, in complete contrast to the evidence that I have just presented.

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 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have two items in collections with Capital One, after reaching out to try to fix the issues I had given up. I was told a credit help company had made payments to Capital One and no payments are marked on the account. Recenly I was attempting to get a loan with a housing builder and was told that Capital One is still reporting late payments even though they charged off the account years ago and it was bringing my credit score down further than it should. I reached out to the phone support line but was unable to get anywhere, or receive help. I would like to talk to someone about resolving the issues at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX. I purchased goods from a vendor on XX/XX/XXXX for {$290.00}. The purchase was paid for through my PayPal account which is tied to my checking account. The funds were withdrawn on XX/XX/XXXX. 
XXXX. The order was cancelled by the vendor on XX/XX/XXXX. 
XXXX. By XX/XX/XXXX the refund had not shown up in my checking account and I contacted PayPal. PayPal advised that the refund had been issued to my bank. 
XXXX. On XX/XX/XXXX I contacted my bank ( as was suggested by PayPal in their chat response to me ; see the attached documentation ) to determine the status of the refund from PayPal. My bank stated that there was no record of PayPal having issued any transactions to my account, pending or otherwise, and at their advice, I opened a dispute. In conjunction with opening the dispute, my bank issued to my checking account a temporary credit while the dispute was investigated. 
XXXX. On XX/XX/XXXX a credit from PayPal appeared in my checking account. 
XXXX. On XX/XX/XXXX I became aware ( when reconciling my account statement ) that the PayPal credit had appeared in my account and proactively notified my bank of the fact by telephone. My bank closed the dispute. In conjunction with closing the dispute, my bank issued to my checking account a debit to reverse the temporary dispute credit that had been issued on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX PayPal advised me by email that I owed PayPal {$290.00}. 
XXXX. After various communications with PayPal via their chat service and with my bank by phone, I was told ... 
a. by PayPal that I owed the amount because my bank had backcharged PayPal {$290.00} when I was issued the temporary credit, and since I was issued two credits I owed them one of the two. 
b. by PayPal that I could file an appeal at XXXX. I did so, noting that ( 1 ) the temporary credit had been reversed, ( 2 ) that PayPal had provided no proof that my bank had issued such a backcharge, and ( 3 ) they needed to take the issue up with my bank. 
c. by my bank that no backcharge was issued to PayPal, and as a matter of policy would not have been, since PayPal responded to the dispute within the 45-day dispute review period. 
9. Having sent PayPal two " appeal '' emails XXXX on XX/XX/XXXX and XX/XX/XXXX ) at the email address directed by PayPal, and ... 
a. having had no response to either email by today, XX/XX/XXXX, b. receiving more than 45 collection calls from PayPal, having directed in writing both through PayPal 's chat service and through email that communication needed to be in writing and to cease harassing calls, c. receiving numerous emails from PayPal trying to collect the {$290.00}, ... 
I am filing this complaint. 
Documentation of all of the above is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect information on my report. It has been well over 30 days & I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. AFTER SPEAKING WITH THE POLICE I SENT IN A LETTER WITH AN IDENTITY THEFT AFFIDAVIT ALONG WITH 3 FORMS OF IDENTIFICATION TO EQUIFAX ON XX/XX/2021. I sent the letter over 30 days ago but I STILL DONT HAVE A RESPONSE FROM EQUIFAX. EQUIFAX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION OF THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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:
I have recently reviewed my credit report and have noticed that XXXX XXXX, XXXX and Experian report false and inaccurate historical data. I have provided the information to show the reflection of FCRA violations that are currently reporting on my credit file ( bank statement, payment receipt, the false credit entries presented by Experian and XXXX ). I am requesting the complete removal of the negative tradeline from my report, as result to multiple FCRA compliance violations that these institutions engage. 

These inaccuracies include : Reporting 120 days late XX/XX/XXXX, and 120 days late XX/XX/XXXX which would be impossible as this is only a 30 day time frame. This inaccurate historical data makes your claim impossible to determine an accurate chargeoff date. You falsely report 120 days late within a 60 day period. That makes no mathematical sense and is completely inaccurate and false. 

XXXX XXXX reported 14 months of late payments after the account was reported as charged off. 

Payment was made XX/XX/XXXX in the amount of {$500.00} to satisfy the entire balance of the collection account, yet XXXX XXXX falsely reported the account as a late payment and charge off for XXXX of XXXX. 

I disputed the inaccuracies to XXXX XXXX and they responded with a letter. The body of the letter states The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. 

XXXX XXXX lied and claimed to be following the FCRA laws, in complete contrast to the evidence that I have just presented.

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 2021-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have recently reviewed my credit report and have noticed that Capital One reports false and inaccurate historical data. I have provided the information to show the reflection of FCRA violations that are currently reporting on my credit file ( bank statement, payment receipt, the false credit entries presented by XXXX and XXXX ). I am requesting the complete removal of the negative tradeline from my report due to multiple FCRA compliance violations that you engage. 

These inaccuracies include : Reporting 120 days late XX/XX/XXXX, and 120 days late XX/XX/XXXX which would be impossible as this is only a 30 day time frame. This inaccurate historical data makes your claim impossible to determine an accurate chargeoff date. You falsely report 120 days late within a 60 day period. That makes no mathematical sense and is completely inaccurate and false. 

Capital One reported 14 months of late payments after the account was reported as charged off. 

Payment was made XX/XX/XXXX in the amount of {$500.00} to satisfy the entire balance of the collection account, yet your agency as well as Capital One falsely reported the account as a charge off for XXXX of XXXX. 

I disputed the inaccuracies with Capital One and they responded with a letter. The body of the letter states The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. 

Capital One lied and claimed to be following the FCRA laws, in complete contrast to the evidence that I have presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
Ive been paying my truck for over 4 yrs now {$420.00} plus the {$5.00} payment charge it it seems like every time instead of owing less I owe more every time I call for balance it seem that after I make payment I cant get the balance To go down. Now in my calculations I would of made my last payment in XXXX of XXXX in the amount of {$420.00} even {$500.00} was my estimate and I call and the company Time Finance ( XXXX ) XXXX tell me I owe over $ XXXX .I dont get were all my money is going they said I dont owe any interest my account open date was XX/XX/XXXX it was supposed to be payed of in 4yrs last time the company sent me balance was XX/XX/XXXX I owed {$3600.00} and still till today am not done paying I spoke to them about this I told them last Wk to send me balance I. Writing so I can compare and it been a week a nothing I want to to a final payoff so I wont owe them any more and that way am done with them over charging me every month but they tell me even if if I finish paying in full it doesnt make a difference I still owe the same over {$800.00}, please help me resolve this issue with the pandemic I made arrangements to do less payment 1month because I was with out a job but that didnt show up I My account! Help!! Company name Time Finance my name XXXX XXXX account # XXXX

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 2021-05-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-05-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XXXX XX/XX/2021, I made an online payment of {$8500.00} towards my credit card. 
I went to use my credit card to purchase appliances on XXXX XX/XX/2021 and my purchase was declined. I called USAA, the credit card company, and was told by the customer representative, 'Sherry XXXX, that the payment I made back on XXXX XX/XX/2021 has a 7 day hold on it. 
The payment cleared my bank on XXXX XX/XX/2021! 
Consumers should not be held XXXX and denied the use of their credit card when the payment has cleared the bank! 
I was subjected to embarrassment and MAJOR inconvenience. I've had to put the credit card appliance purchase on hold and this creates a delay in the sale of my home! 
CFPB should prevent credit card companies from putting a XXXX7 day delay ' on the credit of a payment when the payment has cleared!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

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 2021-05-17 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: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-05-17 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, someone called me from an ( XXXX ) number around XXXX XXXX. They said they were a Wells Fargo representative and mentioned that there seems to be unusual activity on your account. As they were talking about this, I checked my account and did notice there was a charge of {$9.00} in XXXX, CA at XXXX and a {$100.00} ATM WellsFargo charge in XXXX XXXX, CA ( both of which I did not make ). I live in XXXX California, was at my home in XXXX XXXX, CA at the time, and was not visiting those areas. I let the " Wells Fargo '' representative know, you're right there are charges that " I did not make. '' Then the Wells Fargo representative preceded to say, " okay we need to send you a new card and change your pin, but we need your old pin to do so. '' Given that I believed this was a Wells Fargo representative, I gave them my old pin and they stated they were going to send me a new card. The next day around XXXXXXXX XXXX on XX/XX/XXXX, I saw numerous charges on my account. {$2000.00} were from Wells Fargo ATM withdrawls, and there was a {$2.00} charge from XXXX XXXX, and {$2.00} charge from XXXX XXXX ( all charges were in XXXX XXXX ). There was also a {$2400.00} transfer from my credit card to my debit account that this person attempted to collect but got denied. I called Wells Fargo and they explained that there's no record of them speaking to me about this, nor did they send me a new card, which means the person who called me the night before was a scammer. I filed a claim with Wells Fargo on XX/XX/XXXX, and called to follow up in 10 days. Wells Fargo told me my claim was denied because I willingly gave out my pin. The credit card transfer of {$2400.00}, however was transferred back. The XXXX charge at XXXX and the {$100.00} withdraw were funded to me since the scammer somehow already had my information to make these charges prior to me giving out my pin. I have lost a total of {$2000.00} but did not get it refunded to me because I unknowingly gave out my pin to someone pretending to be from Wells Fargo. How did this person have my phone number and account information in the first place? My information was already comprised to begin with given that the scammer knew about the XXXX charge and {$100.00} withdraw in XXXX XXXX.

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 2021-05-17 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation