vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: AR

Complaint narrative:
I have contacted Equifax and let them know that I have been a victim of identity theft which they deleted two accounts but left two accounts untouched. Please delete the remaining things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: GA

Complaint narrative:
I went to the car dealership to get a car for my son and the approved me but with a high Interest rate. It begin to bother me because I make sure I pay all debt on time. I went to look at my credit and Lord behold I see a loan on there that Is not mine. There Is a company called XXXX I guess thats where the loan came from. I contacted this XXXX place and Im getting no luck with them. I hope someone can help me with this. Im doing this on my own and really need some help with 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 explanation
Consumer complaint received 2021-07-26 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: MI

Complaint narrative:
I spoke to Experian over the phone about a month ago. I am disputing a marathon charge account listed on my credit report. 
I just received a letter today stating it has been sold to a debt buyer named XXXX XXXX I originally asked for a copy of the contract and statements leading up to the balance from the original creditor, I do not recall opening this account. This has not been done. 
I would like this account removed from my credit report

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 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX the amount of XXXX and XXXX was unauthorized ( XX/XX/XXXX was posted to the account ) and was used to process the transaction without my permission. I called Well fargo the day after to change debit card because of the unauthorized charge. The investigation was opened after some time the investigation closed and they declined to refund me the unauthorized transaction because of lack of information which was impossible to provide because there was no way of providing evidence of something that I didnt do. couple days later I got an email most likely from either well Fargo or a fake company trying to impersonate as an employee of well Fargo as a means to intimidate me or someone indirectly connected to well fargo which is most likely since it occurred few days after, I want credit posted on the account for both unauthorized charge it is unnaceptable that a company like well fargo would not resolve customer dispute. I am extremely dissatisfied by the service. The worst bank I have ever seen in my whole entire life .Also an employee was filing a complaint when I was disappointed with the outcome of the investigation without my permission or disclosure of these policy ahead of time to consumer which is very deceptive. I want them to be held responsible for all of the above, the lack of transparency and incompetence of solving disputes and satisfying customer complaint

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 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
After reviewing my credit report, I contacted Portfolio Recovery Solutions on XX/XX/XXXX at XXXX XXXX XXXX to dispute the negative reporting by them. I requested for more information regarding the negative reporting by them on my credit report. I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 

Description of the information on credit report : Account is in collection and has a {$460.00} open balance. Account was opened on XX/XX/XXXX ( 11 months ). XXXX XXXX XXXX XXXXXXXX XXXX. is the original creditor. I have checked my records and found that I did have a XXXX XXXX Credit Card in XXXX. This account was " CHARGED OFF " and closed by the original creditor ( XXXX XXXX ). 

I received the requested information from PRA, LLC on XX/XX/XXXX in 2 envelopes. As you will see from the attachments to this complaint : ( 1 ) envelopes have no company logo or any inference it's from PRA, LLC ( 2 ) Information in one of the letter is inaccurate, incorrect and misleading. PRA, LLC never notified me previously when the company purchase this debt on XX/XX/XXXX. Also PRA, LLC is demanding payment when the debt is in dispute. ( 3 ) Information in the other letter shows account open date and it's different from the reported open date in my credit report of XX/XX/XXXX provided by PRA, LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This complaint is against XXXX XXXX in reference to CFPB complaint # XXXX-XXXX. 

XXXX XXXX  's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX Current Status of TD account : " Charge-Off '' Status of : XX/XX/XXXX TransUnion, on XX/XX/XXXX -- Current Status of XXXX  account : " Active '' Status of : XX/XX/XXXX I contacted TransUnion via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX 's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX  's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.

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 2021-07-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This complaint is against XXXX XXXX  in reference to CFPB complaint # XXXX-XXXX. 

XXXX XXXX  's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX Experian, on XX/XX/XXXX Current Status of XXXX account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Active '' Status of : XX/XX/XXXX I contacted XXXX  via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX  's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX  's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.

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 2021-07-26 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 SPAM in my credit report, its like XXXX nowadays ... .... there are inquiries that are appeared from nowhere and I just think how that possible? I can not understand what to do now, but they ae spam and fraud and I can not have them as its not fair. Please apply control and delete them because its identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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 have SPAM in my credit report, its like corona nowadays ... .... there are inquiries that are appeared from nowhere and I just think how that possible? I can not understand what to do now, but they ae spam and fraud and I can not have them as its not fair. Please apply control and delete them because its identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

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 2021-07-26 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I had a car loan that i was caught up on with payments and wasnt over due during the time of the wreck. I also had GAP and full coverage at the time of the accident that was not my fault. However, dealing with the insurance companies took longer than it shouldve so i missed a payment. The company charged me for that month and I believed that it was paid off and good to go since the accident was not my fault and i had full coverage and gap insurance. At the most i owed was one payment of XXXX.I purchased a new car but after that I received a letter in the mail stating I still owed a months payment on the car which I told them the GaP shouldve covered and they said it didnt. They had sold the policy to another agency and the more interest was added which during the last conversation I offered to pay {$500.00} to close out and they declined at the time saying I needed to pay $ XXXXI refused because that was ridiculous for an accident that was not my fault, and i had full and Gap coverage. I've realized that now i have a charge off on my report for XXXX. I have tried to get this removed but had little help. Please help anyway that you can. 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 2021-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Commenity New York and Company Bank Card. On XX/XX/2021 my balance was XXXX. I made that payment bringing my balance to XXXX. On XX/XX/2021 I was charged interest of {$1.00} and then on XX/XX/2021 I was charged a late of XXXX. I was not aware that these charges were occuring as again the XXXX paid the balance off. I called the company requesting to have those late fees waived and the representative haggled me and tried to negotiate, but was unwilling to waive all of the fees. They have been charging me XXXX finance charges and late fees for four months. This has also been reported to the credit as if I'm late on paying for services/credit obtained by them. All of this for a XXXX finance charge AFTER I had paid the account to a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: CT

Complaint narrative:
[ This is a duplicate complaint to # XXXX as I needed it sent to four companies and I can only send to three at at time. ] This complaint is against XXXX XXXX in reference to CFPB complaint # XXXX 

XXXX XXXX XXXX XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : Equifax, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX XXXX  on XX/XX/XXXX Current Status of XXXX account : " Charge-Off '' Status of : XX/XX/XXXX XXXX  on XX/XX/XXXX -- Current Status of XXXX account : " Active '' Status of : XX/XX/XXXX I contacted XXXX via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX XXXX representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX XXXX  representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 

-- -- -- -- -- - I am also filing a slightly modified complaint with CFPB addressing the credit bureaus, since I have no ways to verify whether this is an error from XXXX XXXX or from all three bureaus. 

I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a new credit card in XXXX. I never activated the new card. This was a replacement card because I lost my original card. 

In XXXX, I started getting charges on the new card that was never activated. I never authorized these charges nor do I know what they are for. I spoke with XXXX on XX/XX/XXXX. She confirmed that these charges never occurred on my original card. But XXXX as account updater and was able to put these charges through on a card that isnt even active!! She did nothing to open up an investigation to see where these charges came from. She did nothing to help with the dispute. I did not authorize these charges and she was nit concerned about that. I had to cancel my Fifth Third account. I believe I have been a great customer if not an exceptional customer for many years with Fifth Third, but again this did not matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Summary : Entered into Covid mortgage deferment with Bank of America ( " BoA '' ). This was a verbal contract, with numerous BoA representatives confirming interest would not accrue during deferral. No written contract was provided or signed. Post-deferment, BoA claims the terms are different and that I owe {$28000.00} in uncollected fees. I believe this is fraud. 

XXXX to XX/XX/XXXX : I entered the Covid Deferment program in XX/XX/XXXX. During the months of XXXX, XXXX, and XXXX, I had numerous conversations with representatives of Bank of America regarding the Covid deferral option for home mortgages. I was joined on each of these calls by my mother, a lawyer with over 35 years of legal experience. In each conversation, a key concern was confirming interest would not accrue during the deferment period. The numerous BoA representatives that I spoke to during this period confirmed the following : 1 ) Interest does not accrue during the deferment period, 2 ) My outstanding loan balance would not increase as result of my participation in the deferment program, and 3 ) The deferment amounts to a " mortgage freeze '', in which deferred payments are added to the end of the loan life, thereby extending the mortgage duration by the number of months deferred. 

With this understanding, I entered into a verbal agreement with Bank of America ( via phone ) to enter the Covid Deferment program. There was no written contract provided or signed. 

XX/XX/XXXX : On XX/XX/XXXX, BoA uploaded the first of several Loan Evaluation documents. These documents say " we have deferred payments '' ( past tense ) and " confirms '' I've entered a loan deferral. However, there is no actual contract or any signed document that I've agreed to these terms. These documents say interest will continue to accrue during this time period, which is in direct conflict with the terms of the verbal contract agreed to. There is no contract or documentation that I've signed agreeing to terms in which interest continues to accrue. 

XX/XX/XXXX : Im in the process of refinancing, and was notified that BoA claims I have ~ {$27000.00} in unclaimed fees due to the Covid Deferment. This includes {$14000.00} in Covid Interest Deferral and {$13000.00} in Covid Escrow Deferral. The Escrow amount is wrong, as it was due to a tax classification from the local taxing authority. BoA received a refund from the tax authority in XXXX, however BoA refuses to reflect this in their Payoff statement. The Interest is also wrong, as it reflects terms that I never agreed to. As a result, BoA now claims I owe {$530000.00} versus the {$500000.00} it should be.

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 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
KAY JEWELERSis violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' KAY JEWELERS failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. KAY JEWELERS is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and hurting me both financially and mentally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC
State: OK

Complaint narrative:
I have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by CKS Financial, XXXX XXXX and XXXX XXXX is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and CKS Finance is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please look into this for me. thanks in advance.

Company response to consumer: Closed with explanation