vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: Colony Brands, Inc.
State: MO

Complaint narrative:
Sometime between XXXX, I have requested multiple times to correct/remove the INCORRECT information on my credit profile that states I had a XXXX XXXX acct. opened in XXXX. 

The very first acct. with XXXX XXXX was opened in XX/XX/XXXX. No earlier than that ever. I have documentation that verifies this, which I provided to all 3 credit bureaus at the time of disputing several times. XXXX XXXX XXXX has since removed the information completely. However, XXXX XXXX AND XXXX are still reporting this incorrect information. 

I have reached out to XXXX XXXX via email & phone, no response or resolution. They did not call me back, nothing. XXXX has changed the wording twice, nothing else. They requested I provide additional documentation. There is no other documentation to provide. I DID NOT have a XXXX XXXX acct in XXXX. This a 100 % factual statement. Under FCRA, XXXX  is supposed to do proper investigation. Please do so with XXXX XXXX. XXXX XXXX could have taken 2 seconds and either responded to me or submitted proof that backed my claim. 

I will not keep submitting disputes on the same matter, if its not helping my credit profile. Its pointless. Nothing is changing. Again, XXXX XXXX XXXX removed this account. XXXX shows I have a balance of {$290.00} from an acct XX/XX/XXXX. Incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Sometime between XXXX, I have requested multiple times to correct/remove the INCORRECT information on my credit profile that states I had a XXXX XXXX acct. opened in XXXX. 

The very first acct. with XXXX XXXX was opened in XX/XX/XXXX. No earlier than that ever. I have documentation that verifies this, which I provided to all 3 credit bureaus at the time of disputing several times. XXXX XXXX XXXX  has since removed the information completely. However, XXXX XXXX AND Experian are still reporting this incorrect information. 

I have reached out to XXXX XXXX via email & phone, no response or resolution. They did not call me back, nothing. Experian has changed the wording twice, nothing else. They requested I provide additional documentation. There is no other documentation to provide. I DID NOT have a XXXX XXXX acct in XXXX. This a 100 % factual statement. Under FCRA, Experian is supposed to do proper investigation. Please do so with XXXX XXXX. XXXX XXXX could have taken 2 seconds and either responded to me or submitted proof that backed my claim.

I will not keep submitting disputes on the same matter, if its not helping my credit profile. Its pointless. Nothing is changing. Again, XXXX XXXX XXXX removed this account. Experian shows I have a balance of {$290.00} from an acct XX/XX/XXXX. Incorrect.

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 2021-02-22 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: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. 

Please resolve this matter as soon as possible. Thank you!

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 2021-02-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is a bankruptcy that is showing on three bureaus that does not belong to me I have reached out to the bureaus the courts and asked them to remove this since it is not mine and they have yet to get back to me to see how they are verifying that this information is mine or how this is related to me. 
US BKPT CT NV XXXX XXXX - Reference Number XXXX Court US BKPT CT NV 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 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing this complaint because Wayfair and XXXX XXXX has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. 

Way fair is reporting the account as a charged off account and the debt has been sold to XXXX XXXX collection agency. 

Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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
State: MI

Complaint narrative:
XXXX XX/XX/XXXX PayPal restricted my account forever. Then told me I'll be able for withdraw my rest of money after 6 month. After 6 month I got email about my funds are eligible for withdraw. After that I started trying to withdraw my money. But still XXXX XX/XX/XXXX I can't withdraw my money. They're not letting me add bank account & not letting me withdraw my money. Already I've send them minimum 100 emails & 50 times I've talked with them on call. Each time they told me try again after 24hr or 72 hr. Everytime I got same suggest & email reply. Still I'm not able for add bank & withdraw my hard working earning money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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
State: IN

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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I make minimum auto payment when I travelled in XXXX, XXXX, to my suprisse TCF Bank does not activate the auto pay, and I was charge illegal late fees for XXXX, XXXX, which affect my credit. 
I do not have late fees history before.

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 monetary relief
Consumer complaint received 2021-02-22 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: CA

Complaint narrative:
XXXX  XXXX XXXX Balance : {$460.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$500.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX/XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$2300.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

Chapter XXXX Bankruptcy XXXX - I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.

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 2021-02-22 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: TX

Complaint narrative:
I checked my credit report alerts on credit wise and seen SSN TRACKER ALERT and a address that has been added to my experian addresses. It was reported on XXXX of 2020 to experian the address is XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Thats not my address I never used that address nor know whos address or anyone that lives in OK. I dont know if they have used my ssn to vomit tax fraud or unemployment or for jobs or anything but Id like to find out and know what to do about this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Netspend Corporation
State: MO

Complaint narrative:
Ok I've had a NetSpend card for awhile. When ever a charge I didn't authorize show up. It took weeks to months to get my money refunded to me, which brought on some battles. Happened again XXXX. We're arguing back and forth about getting my money back sooner on something that wasn't my doing. Talked to like 4 people before I got a little testy. I no sooner got one put back on my card. From XXXX, that night at almost midnight got hit again by a go fund me acct for XXXX. So I complained right the while I was still on the phone with NS. SHE WAS trying to get me to call back and dispute that one in a week. I said no it's pending, stop it now. Of course that couldn't be done. So had waited 20+ days and the fight was on again. So yesterday the XXXX, I was asleep it was before XXXX. And my phone starts dinging and going off. 6 yes 6 more charges were coming off my card still. Long story longer I then get a text they suspect fraud on my car and locked the acct and stopped my card. What little money I still had on my card for frozen too. So I'm broke can't get it off the card now. The person then informs me they mail me another card take 10 days, then we'll open me another acct after I get it. I said dude it was directly deposited to you guys and that acct. That you just froze and locked So where the XXXX is my money going to be deposited now. He tried saying to let them know when I get the check and they LL grab another card. I said really, how am I going to pay rent with no cars e and no clue where my money is going. So not having another account to put said money, I don't even know if there's enough time to get one open and try to figure out where it will be deposited, seeing how I have less than a week to do all of this hoping to catch idk who to catch my check in time. Or they can mail the check back and couple be lost for weeks. I didn't ask them to close that account without giving me time to get anything left off my card. I'm so done with them. I don't know what I should be doing they've got me, crying cuz I'm stuck don't know who to call nothing

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 2021-02-22 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX XXXX  : Last week I filed a formal complaint through your escalations team ( XXXX XXXX ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 ) doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( XXXX  XXXX YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together XXXX. You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.

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 2021-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
We have a home mortgage loan on Freedom Mortgage for the property address at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX. I called freedom mortgage on XXXX XXXX to inqury about how much I should expect if I want to pay off my remaining mortgage. The representative told me to get the payoff quote on FreedomMortgage online. I specifically ask the representative if they will be any fee associate with the quote. The representative told me there will be no fee if I decide not to do the payoff finally, generate the payoff statement is free of charge. That's why I do the payoff quote online. But then I find out Freedom Mortgage charge me {$30.00} statement fee for the payoff quote on XX/XX/2021. This is unreasonable as I have asked before and was providing a misleading information.

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 2021-02-22 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: CA

Complaint narrative:
XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXX* Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX*** Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

CAPITAL ONE XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

CAP1/XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX* Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

PORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In the midst of the pandemic my boss took over the payroll duties temporarily. He made out my payroll check for {$2900.00} However in the description line he wrote XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. He did not notice the error and I did not catch it, I mobile deposited the check and it went through the drawn on bank. Citibank subsequently froze the account from the XX/XX/XXXX deposit to investigate. They determined that even though they could find no evidence of fraud they decided to close the account as well as my savings and I was informed that this would take place in 60 days. After numerous phone calls and stalling by them and statement notification of closure as of XX/XX/2021 I have still not received my funds of {$5700.00}. There has been more than enough time for this bank to refund my money. I have called and been promised and lied to non stop. I want this practice of freezing accounts and withholding of funds to have accountability by regulators and investigated as discriminatory since by anectdotal accounts by others- XXXX XXXX XXXXXXXX and XXXX sounding surnames are disproportionally affected by this practice. I will be more than happy to testify against Citibank.

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