vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: IN

Complaint narrative:
I submitted a dispute with Equifax on XXXX for the inaccurate reporting of a balance on XXXX Bank account, the accurate balance is {$0.00} as XXXX bank issued a 1099-C. On XX/XX/XXXX Equifax sent me a letter stating the following information We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. 
On XX/XX/XXXX it cost me {$26.00} to send an overnight letter informing Equifax that the error was not corrected. I included a copy of the 1099-C issued by XXXX Bank as Equifax will not accept documents to be uploaded due to issues with their system. The enclosed copy of the 1099-C was absolute proof that the accurate balance is {$0.00}. The tracking number is XXXX which Equifax received on XX/XX/2022. I also requested that Equifax send me a copy of the documentation that XXXX Bank sent them to verify the balance on the account as I know that per law a 1099-C cancels the debt. 
The courts have found that if a financial institution has filed a Form 1099-C with the IRS, cancellation or discharge of a debt has, in fact, occurred. Therefore consumer credit reports must reflect the reporting of a {$0.00} balance. It is inequitable to require a debtor to claim cancellation-of-debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the IRS and the debtor that the indebtedness was cancelled or XXXX, to then collect it from the debtor. 
On XX/XX/XXXX, I checked my Equifax credit report and discovered that Equifax still refused to correct the error and further stated the reinvestigation was completed and the balance of {$22000.00} was accurate. 
I find it perplexing that Equifax will not follow the law nor follow the FCRA. I sent XXXX and XXXX a copy of the 1099-C issued by XXXX Bank and both of those credit bureaus updated the account to {$0.00} balance per the FCRA. 
I am attaching the letter from Equifax, the letter I sent to Equifax, and a copy of the 1099-C issued by XXXX Bank XXXX I sincerely hope that the CFPB holds Equifax accountable for deliberate violation of the FCRA and persuades Equifax to update the balance to {$0.00} on XXXX Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo made a faulty transfer to my bank account. The money was returned and now WF makes it impossible for me to get my money back. I made more than 10 attempts to talk to WF. Every time I talk they give me new information. In the end nothing happens. 
I need you urgent help with this. 
Here are the details : I had a saving account in Wells Fargo Bank. 
On XX/XX/2022, Wells Fargo sent me an e mail saying that this Bank required that all consumer provided a valid primary residential address located within the US or its territories. As I don't live in the US, I decided to close the saving account, because they pointed out a deadline until XX/XX/2022. 
I called Wells Fargo from XXXX, using the phone number XXXX XXXX XXXX XXXX ( that calls were charged to my phone receipt, even when they were supposed to be no charge ), and I asked to close my account. They gave options to get my money : to send me a check or to do a wire transfer. I choose the second one to a bank in XXXX, and I called Wells Fargo and gave them next information so they send me the money : Account number in Wells Fargo Name of the Bank of destination ( in XXXX ) Swift code Account number of destination XXXX  key Owner of the account in XXXX ( me ) On XX/XX/XXXX, a Wells Fargo banker called me and verify the information, she let me know that the deadline to have the money in my account in XXXX was XX/XX/XXXX, but maybe too much soon. 
On XX/XX/XXXX, I received an email communicating my account was closed. But the money was not in my account. 
I called Wells Fargo many times ( all of them charge to my phone receipt ), and finally they told me I had to ask in the XXXX bank, because as the Wells Fargo account is know closed, and they could not find the money. 
In the XXXX bank they told me Wells Fargo asked for an investigation about that transfer, and they answered them on XX/XX/2022, the money was returned with a transaction number. I called Wells Fargo again, and sent that number, but they just answered : Hello We have contacted to our wire room- Wire still has not been returned and no messages from Beneficiary bank. 
Please contact your bank regarding your wire transfer. 
Thank you Said an Operations Processor, Issue & Inquiry Resolution / Account colusures & Partial Withdrawals What can I do know? 

I just want to have my money.

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 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I have called customer service several times. I am trying to remove the PMI from my loan. I currently have 50 % equity and have asked several times for the process to remove my XXXXI payment. I am advised by PRMG customer service that the XXXX payment can not be removed. My understanding from the mortgage that when the loan to value reaches 78 % that I no longer have to pay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
ON XXXX of 2021 i realized a 30 day car late on my credit report for XX/XX/2021 by Ally Financial for my car lease, after reviewing my documents, i realized that this happened because the company failed to update my statement and didnt send me an statement for the month of XX/XX/2021, I reached out to Ally financial on XX/XX/XXXX of 2021 and I spoke to a representative and I complained they should take care of the XX/XX/2021 late reporting, since the companies neglecting of not sending me a statement resulted on the late, the representative told me she will take care of it and with 45 days I will see a change on my credit report, however after 45 days I called again to see if there is an update and there wasnt any changes or note in this matter, so I asked for a supervisor, and the representative transferred me to a supervisor by the name XXXX XXXX and after discussing with her the above issue she promised me she will send the right documents to the credit bureaus to remove the late mark on my report, and I will see the change within 30 days, after that period I checked and there was no update I called back the supervisor XXXX and she agreed that the company failed to send the document to to the bureau and she apologized for this, however we up now to 71 days and there is no result and ally financial representative and supervisor agreed with me that they failed by taking care of the issue in the right time.

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 2022-03-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent the following attachment to transunion on XX/XX/2022. I spoke with a representative today and was told that they never received my letter.

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 2022-03-10 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: TX

Complaint narrative:
I've reached out MANY different times in regards to 2 collections accounts being falsely reported by the credit bureaus from XXXX XXXX. I have made many attempts contacting the credit bureaus trying to resolve this matter because its simply inaccurate. I have NO idea who XXXX XXXXs is and I've reached out to them and they've stated that they can not give me information because I was unable to give them the correct personal information ( such as last 4 of my SSN ) attached to the collections account. If the last 4 of my SSN is incorrect for verifying the account to get more information then that would obviously mean its attached to the wrong person aka ME!! A representative from the collections agency said that it may be a mistake as well. I have a son with the same name that it may belong to. I've sent many letters to the credit bureaus regarding this matter and trying to correct it. Its been SEVERAL MONTHS that they are saying its under investigation. Its been WELL OVER 4-5MONTHS. They keep dragging this thing out and I've sent XXXX different letters for each month. They've said it'd take 30days for a response and its been MONTHS! Its frustrating because I have a full-time job and when I reach out to the bureaus I get a LONG wait time, hung up on, or the same dam answer that its under review. I am getting exhausted trying to get this inaccurate information off of my report. Its UNFAIR how powerless I feel that I can not do anything about inaccurate information. It should be against the law to effect someones credit file like this with no consequences. AGAIN I have a son with the same name and this is not the first time that our information has gotten mixed up on our credit files. I will be in the process of attempting to sue the bureaus because of this. It disables me from being able to get the credit I know I am eligible for or if I do costs me higher APR 's due to these 2 collections accounts! This is UNFAIR! PLEASE HELP!

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 2022-03-10 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: GA

Complaint narrative:
I got a credit card with XXXX which is through Comenity Bank. I made my payment of {$65.00} and closed my account in XXXX. At the time, my account was telling me that it was paid in full and i did now owe. I opened this account in XXXX. 5 months later, I get a random email letting me know my XXXX Statement was ready to be viewed. I thought it was weird and logged in. It said I owed {$240.00} worth of late fees and interest charges! I was never once called by Comenity bank that these charges were overdue and I was incurring late fees after late fees each month. Not one single call to let me know! I tried to resolve it with them and they sent my account to collections and told me they have nothing to do with it now and to deal with collections. My online account is from Comenity bank and said my balance is {$240.00} and willing to accept a payment. When I called the collections company XXXX, they told me I owed {$190.00} which doesnt make sense. They have no answers to why the amounts are different and they are not willing to waive any fees for me even though they never had the decency to let me know these charges were being accrued every month. Now my credit is messed up and no one is willing to help me. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXXefferson Capital Systems has been reporting a collection on behalf of an original creditor of XXXX XXXX. I have disputed this several times, as I have not had a XXXX XXXX service. When I call Jefferson, they tell me XXXX XXXX is now handling this, and they are unable to provide me any information. I call XXXX XXXX and they tell me Jefferson is handling this and I have to contact them. All I want is some sort of bill and proof of account and they can not even tell me anything about this file. This needs removed from my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was under the impression that I was offered a loan through my bank app. I was offered XXXX for 60 months at 12.99 % interest for approximately {$220.00} a month. 
I applied and was denied. When I inquired as to why, I was told my credit ratio was too high, I had overdraft over the previous 9 months and I had been delinquent on payments. 

My credit ratio is 30 % which isn't the best but my payment history has been perfect and I may have overdraft but only for a few hours making sure to make a deposit before XXXX EST that day. 

The official letter sent was unsigned without any phone numbers. When I called wells fargo, transferred to a supervisor and then corporate to ask why there was incorrect information being reported, I was told I had to contact the credit agencies. 

I told them that I check my XXXX  and XXXX XXXX  weekly and both show perfect payment history therefore the issue is not with the credit reporting agencies. 

I was told that they base decisions off of certain terms with no reason given for the inaccurate information and given a generic response. 

I asked which dates that I overdraft and was not given an answer. 

I asked why the letter was unsigned without any phone number and was not given an answer. 

I don't trust them for a loan at this point but feel they're inaccurate reporting is negatively and monetarily harming me since I'm trying to get a loan for home repairs which will cost more now due to their inaccurate reporting and have since I lost an XXXX  loan offer through a home repair company that was basically guaranteed fot weeks but coincidentally was turned down for after this entire ordeal with wells fargo

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 2022-03-10 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I filed a complaint with this agency against portfolio recovery. They inaccurately reported that I owe them {$410.00} to all bureaus. I asked portfolio recovery to verify the debt with the original signed application and the statements showing where the balance came from. The only thing they sent me was a copy of a letter that the debt was sold to portfolio from cXXXX  XXXX. THEY ARE REFUSING TO VERIFY THE DEBT. I live in an apartment building with multiple families, unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this negative account. also they have my name on the account as XXXX XXXX but my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I reached out to the collection company, Portfolio Recovery, in XXXX to obtain information about the debt and contest it because dates and charges did not make sense to me. Instead of removing suspicious charges ALL MADE BEFORE XXXX they falsified reporting on the debt to reflect that it was opened in XXXX so that it would stay on my record longer. This is 100 % a lie. This debt is at least XXXX XXXX XXXX and should soon be falling off my record soon but wont because of falsified reporting done by Portfolio Recovery. I never admitted to ownership of the debt or talked about repayment when I contacted them in XXXX so the debt should not have been restarted at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Mercedes Benz Financial Services
State: NV

Complaint narrative:
MB Fin Services is showing lates on my account that should not even exist. I see also a repo that didn't even happen? Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: CA

Complaint narrative:
I have made numerous attempts for a year to Experian on an alleged account called XXXX XXXX XXXX # XXXX to be removed from my credit due to inaccurate reporting and FCRA violations via certified USPS. I've sent certified mail to the alleged collector asked for original consumer contract with my signature and what service i am being charged for. XXXX XXXX did not respond, they have no original consumer contract. I requested in writing Experian provide me with validation documentation of the reinvestigation not verification. I receive the same response from Experian, verified with no valid documentations. Experian willfully failed to conduct a reasonable investigation into my dispute because when requesting documents into their investigation the refused to provide anything.An assumption is not a valid reason under the FCRA. without a valid contract they are violating the law. Reporting this account " Open '' as a " Collection '' with a " past due balance '' of {$410.00} clearly violating FCRA as well as my rights. i requested for the account to be deleted because it was violating FCRA laws and guidelines, Experian refused to delete the account.The account until today is being reported with two different names, two different addresses, two different dates the account was open and two different dates of last activity on two different credit bureaus.The original creditor is listed as XXXX XXXX XXXX XXXX which does not exist. XXXX XXXX opened an account dated XXXX XXXX with no contract, i have that in writing which i will save for court.The violations Experian is continuing to report are astonishing. Experian has hurt my credit and violating my rights according to FCRA laws & guidelines. Experian is abusing the system, violating any laws or guidelines?

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 2022-03-10 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: MO

Complaint narrative:
After sending several complaints to Experian they have done nothing more but resend the same information without fully investigating this matter further. I have been saving every letter and certified receipts as well. They have removed an address that is not tied to me but refuse to remove the account that they have failed to provide proof of as I have NO CONTRACT with XXXX XXXXXXXX XXXX Tracking number XXXX. Attached is a copy of the letter I have send several times and they refuse to comply. I also send this same letter via email upload and I requested the entire account XXXX be removed as well.

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 2022-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
From the XX/XX/2021, I received repeated phone calls from Portfolio Recovery on a debt that was a result of identity fraud. I've sent the police report explaining the situation and have still received calls. I asked for proper documentation, they sent me a blank statement that does not show when I opened the account, what it was used for or anything! The last representative I talked with told me, well its obviously not fraud, its in our favor so you need to pay this. I asked this company not to call me and they repeatedly call from different numbers trying to scam me out of a fraudulent account!

Company response to consumer: Closed with non-monetary relief