vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX, XXXX  and XXXX  are ALL reporting false owed items. 

Dispute # 1 Company : Wells Fargo account # XXXX opened XX/XX/XXXX. I have no recollection of this account being mine, also it should be dropped off of credit report being it's over 7 years old. 

Dispute # 2 Company : XXXX/XXXX  account # XXXX opened XX/XX/XXXX I was on time on this account not delinquent. 

Dispute # 3 Company : XXXX XXXX  account # XXXX opened XX/XX/XXXX Account reported open and closed the same day. Over 7 years old please delete. 

Dispute # 4 Company : XXXX XXXX XXXX account # XXXX Never been late on this account. 

Dispute 5 Company XXXX XXXX XXXX XXXX XXXX  account # XXXX opened XX/XX/XXXX I was never late. 

Dispute # 6 account # XXXX, Company  : US Department  of  Education  opened XX/XX/XXXX No recollection of this account. 

Dispute # 7 account # XXXX, Company : Department of Education The amount reported is incorrect to what I truly owe, Dispute # 8 account # XXXX Company XXXX No open date to give payment status is incorrect. 

I want all past 7 year items removed ASAP also I have sent them ALL Certified letters..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: U.S. BANCORP
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : ELAN FIN SVC : XXXX 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
A fraudulent charge of {$450.00} was made on my TJX credit card at XXXX XXXX in XXXX, AZ in mid XX/XX/XXXX. I currently live in XXXX and with the assistance of one of my adult children who is in the US, I called the company ( operated by Synchrony Bank ) on XX/XX/XXXX and reported the charge as fraudulent. I was informed by the company representative that it would be investigated by the fraud department and I would receive a response to my report. I was thanked and bid farewell by the company representative and the call ended. In early XXXX the next statement arrived and the charge remained as well as additional charges having been added. I called again and was informed that my call in XXXX had dropped and I had not been transferred to the fraud dept and a proper report had not been taken. I was then transferred to the fraud dept and a report was duly submitted. Within the next month I was informed the charge was indeed fraudulent but the next statement still had incorrect charges on it. I called again in early XXXX and again in XXXX and I was told that charges would be removed after a period of 60 days had passed from the initial report ( which was officially completed in early XXXX ). I skipped contacting the company in XXXX but when I started receiving multiple emails a week in XXXX, I contacted them using their web site messaging service. Their response apologized for any inconvenience to me and asked me to make another phone call to the fraud dept. In my message, I specifically stated the great difficulty it is to make a phone call from XXXX. To date over 5 hours have been invested by myself and my child in trying to straighten this out. Why should I have to make another difficult phone call when the fraud was facilitated and allowed by them. They informed me that someone made an in store purchase by accessing my account without actually presenting a credit card to do so. The original fraudulent purchase has been removed from the account but other charges of {$40.00} still remain. This account has not been used by me or anyone else under my consent for almost two years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NV

Complaint narrative:
I informed Transunion in XXXX that the information on my credit report needed to be corrected. I had a name change due to identity theft, and Transunion have not removed the old and inaccurate information from my credit report. It is now XXXX, and I have asked them since XXXX to fix this persistently. Transunion keeps telling me they've removed the information but they have not! My name was changed in 2019. 

Attached is a screenshot for your viewing of the inaccurate information, underlined in RED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Back in XXXX I booked some international flights using the rewards points I acquired from my Chase credit card. There was an additional {$180.00} required to buy the flights. Everything was paid for, in full, by me. The airline cancelled the flights due to COVID-19 and around mid-XXXX  I requested a full refund from the airline. As per federal law, on about XXXX XX/XX/24 the airline accepted the request and refunded my credit card. Chase received the funds and refunded me the rewards points portion, but has told me it needs two full billing cycles to refund the cash portion. As far as I can research there is nothing in writing anywhere that they are authorized to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I use XXXX XXXX to periodically check my credit score and when I checked it around the middle of XX/XX/2020 I noticed that a collection agency ( XXXX ) that I paid off, was saying I just made a payment not a pay off, which would reflect differently on my credit score. So I made a dispute with TransUnion. At the time of the dispute my credit score was around XXXX, about a week later my credit score jumped to XXXX, so I thought the problem was fixed. Then around the first week of XXXX, I noticed my score dropped 12 twelve points on the TransUnion side. When I tried to check on what happened on the TransUnion site, it simply says that periodically adjustments are made. I am concerned that I might be Getting retaliated for putting in a dispute in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: Conn's, Inc.
State: CO

Complaint narrative:
I provided my information to Conn 's with the agreement that they would not use this information to perform a hard pull on my credit report. They even advertise on their following link provided below that, " No credit score impact to see your options. '' https : //www.conns.comXXXX I have never requested credit from Conn 's and yet my XXXX credit report has a hard inquiry from Conn 's . I believe that they have fraudulently pulled my credit report, or at the very least, deceived their consumers into believing that providing their information will have no impact on their credit. 

I have attempted to reach Conn 's several times by email. The first attempted of contact was on XX/XX/2020, as soon as I found that my credit had been adversely affected. I have waited over a month, yet they have continued to ignore all of my messages. 

I have no where else to go, I hope that the CFPB may help resolve this issue for me, and presumably other consumers which may have been misled and adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I contacted XXXX XXXX  XXXX in regards to establishing new service. I was advised by XXXX XXXX XXXX that I needed to pay them ( they gave me a list of means to do so ) before future service could be offered to me. 

I immediately paid XXXX XXXX XXXX. Come to find out - another company by the name of Transworld Systems is/has been reporting this account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Elite Mortgage Funding inc
State: MI

Complaint narrative:
Hello, I am writing to complain about the services rendered by Elite Mortgage Funding - Company NMLS : XXXX. 
The process was pretty smooth until we reached the end of the loan. 
My credit score dropped because I missed a payment on 1 of my CC 's - which is now fully paid - and adversely affected my credit score. We wait a month for my score to go back up, however it did not go up enough. 

The real issue is that the Banker at Elite Mortgage Funding locked in a higher interest rate ( 3.75 % ) without my consent. This has led the mortgage refinance to fall through because, apparently, at current terms, it is not profitable for them!! EXCUSE ME! 
Why have I been working with the same company for 4 months, sharing all my personal information, delaying my mortgage and CC payments per their advise. 

The actions of this company have adversely impacted me and my ability to refinance my mortgage. Not to mention, delaying my mortgage payments per their instruction has also negatively impacted me. 

I am very dissatisfied with the level of service from Elite Funding and will NOT recommend them to anyone. This was a waste of my time, they lock in the rates without advising with clients and then disregard their approval commitment when it doesn't suit the - shame.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive had quite a bit of identity theft over the past couple years and I finally got most of it resolved with a lady who worked at Experian named XXXX subsequent to that in XXXX of last year I had a XXXX  XXXX  I was in the hospital for quite some time and yet again someone went after my credit insert opening accounts. Theyve managed to put my phone numbers out open accounts change addresses its been a huge mess I finally got everything resolved on my report with Experian except for one account. It showing that there is another car that was purchased while I was in the hospital having recovery time for my XXXX  XXXX. After the XXXX  I moved to XXXX  from XXXX  and have been living down here even before the car was bought because I needed to get XXXX XXXX. I sent all supporting documents Ive contacted the company I reached out to multiple times and there is a car that I couldve never gotten on the report. I wouldnt have mind giving them my XXXX  phone number the hospitals phone number and I dont know what to do anymore he verifying it is correct. At this point Im getting denied an apartment to do this and in accurate information that will not come off Even with the police  report in the freight ID kit Experian refuses to block or remove this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I informed Equifax in XX/XX/2020 that a creditor was willfully and recklessly reporting false info to the Credit Reporting Agencies after being notified of the reporting error and of Equifax 's failure to investigate and correct the error. Creditor is reporting " inaccurate Date of Last Activity '', " Inaccurate Balance '', and " Inaccurate Remarks ''. 

Attached is a screenshot for your viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I spoke with XXXX from XXXX XXXX XXXX XXXX on XX/XX/2020 in regards to a debt with XXXX XXXX XXXX. I asked if they would be able to send the debt back to LDA and she stated no. I then offered to pay the amount owed of {$130.00} in exchange for the account being deleted from all three credit reporting agencies. She stated they would request to have the account removed once payment was made. I proceeded to give her my card information to have payment debited from my account on XX/XX/2020. She stated the receipt would be available through their website on XX/XX/2020, however it wasnt available until XX/XX/2020. I check my credit report today XX/XX/2020, and the account is still reporting to all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Pnc bank isnt connected with XXXX XXXX so I cant transfer money to them so I have to do a wire and thats way harder XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was scammed on XXXX while I was trying to rent a house this started on XX/XX/2020. I went to my bank to get my money on XX/XX/2020, when I didn't receive what I had paid for and did not receive my money back. They looked into it and even though the guy who scammed me was clearly impersonating another person ( Wells Fargo said their accounts didn't match up ) they would not consider it fraudulent. I Lost XXXX dollars in this exchange. Attached is my fake lease and emails that I though were going to lead to my new home. I need that money. I don't know who else to go to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: AR

Complaint narrative:
Veterans United started the loan process back in XXXX of 2020. Have gone through the process, and am due to close on the new and the house I am on the XXXX of XXXX. On XX/XX/XXXX they informed me they can not close the sell on the new house due to a well, and cistern being on the property. They have known for a month, and waited until a week before closing that they are killing the deal. Now I am rushing to find a lender who can close. The loan officer has been helpful, but the other people have faced me and my family with going without a home after next Friday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Third party vendor that didn't have my permission or legally able to collect on behalf of the original creditor has constantly reported negatively to 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: Kriya Capital, LLC
State: FL

Complaint narrative:
A collection account is now listed on my credit and after numerous attempts to get the collection agency to validate the debt they have still refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my XXXX investment account to my PNC banking accounts to make transfers for investments. PNC is refusing to allow this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I have an Authorized credit card on my account that was cancelled by Amex on XX/XX/2020 ( after two billing cycles ) without informing me. I have been speaking to the company about reporting this card to credit bureaus and I reached out to them six times during this two month period ( Both customer care and also Credit reporting department ). I was told each time that it will be reported on second billing cycle and we do have all the required information. When it was not reported on my second billing cycle of XX/XX/2020, I called again and I was told that there is some issue with the system. We will look into it and might have to send a manual reporting. 

I called them again to find out that my card was cancelled on XX/XX/2020. I asked for a reason of non-reporting regardless as card had two billing cycles. I am being given excuses and this issues is being ignored. This is a clear violation of FCRA ( Fair Credit Reporting Act ) when the company is reporting selective information to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 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: TX

Complaint narrative:
Companies refuse to remove account that was opened before I turned 18. This account is has not legal standing on my credit report as I was well below 18 when the XXXX/XXXX  account was opened and not able to give my legal consent. The companies also refuse to remove collections that are in no way related to me or have any legal standing accounts are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I need urgent help in this situation. As my Chase Bank account has been closed today XX/XX/2020, due to suspicious activities. I recently moved to XXXX to work in XXXX in XXXX from XXXX. During the 9 weeks it took to receive my benefits from the XXXX, I also applied for unemployment through XXXX XXXX, Since I worked in the city of XXXX at the XXXX XXXX for over a year. I did this thinking that I would not be eligible for XXXX benefits since I only recently moved to XXXX and worked in XXXX at the XXXX XXXX XXXX XXXX for 3 weeks. I ended up getting approved for XXXX   benefits as well and received funds from them. Since Ive never had to apply for these benefits and not knowing how the system works I thought I was getting XXXX from the XXXX and unemployed benefits from The XXXX ; Since I was approved for both. I didnt receive any documents, emails or phone calls stating otherwise. I have currently been in contact with Representative XXXX XXXX office in the state of XXXX about this issue. They stated that I was incorrectly approved for Benefits in the state of XXXX We have sent an email to correct the situation and return the funds I received which amounted to {$5800.00} back to the XXXX. I believe Chase bank suspected this was fraud and closed my accounts. Chase will not disclose any information with me at all. Ive also informed and been in contact with Assembly member XXXX XXXX office about the current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
REGIONAL ACCEPTANCE CORP is on my credit report as a negative and past due debt. This was charged off and is over 10 years and they are still showing as being late on 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