vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-26 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: CA

Complaint narrative:
I am a victim of identity theft. The information that your company, XXXX  XXXX XXXX is still reporting to my Equifax Credit Report and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. XXXX  XXXX XXXX, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX and Equifax. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Phone : XXXX Open : XX/XX/XXXX Last : XX/XX/XXXX High Credit : {$500.00} Limit : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I closed this card in XX/XX/2021 because the fees were too high. Due to XXXX I lost 75 % of my income and this company didn't want to adjust the annual fee so I closed the card. When I closed the card my balance was around {$220.00} which I have paid about {$170.00}. I am a veteran who is on unemployment so I haven't had the income to pay off the {$50.00} remaining balance. I received a bill showing over {$500.00}. How can they charge me fees on a closed account? These fees need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I initially joined the program with the thoughts of home delivery service and after several weeks gone by. I have found this program will not work for me. For me, it is a waste of time and money. As for me I was looking for a short time guide which could lead me to overall healthier eating options and I knew this would be an option specifically because of the home delivery part which would be essentially the main reason in which I joined. 
I sent my request to cancel and it has continued to charge as here recently. 

This plan was presented with the plans to have home delivery and the food would be preplanned accordingly. For me that would be great and alleviate the thought, time and planning for food. 
Because this plan was presented in a way to alleviate the planning and food prep would be available Now this is not the case and I was and have been willing to wait for the meal prep delivery Though I knew it would be additional charge. For it would be all worth it. 
However, the case here is it was presented that I would have that option but this never happened and I do not have time to facilitate the time for meal planning independently I wanted to take on this purely based on the meal delivery which has not happened due to the fact, the potential contract for home delivery has failed through twice. 
I have waited for the allocated time to reconvene on this matter but it has taken place. On this note I just want to cancel.

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 2021-12-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not apply for a job or apply for credit.

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 2021-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX, a XXXX XXXX i used to go to posted on her XXXX page about a successful trading with her XXXX investor coach XXXX ( XXXX name ) by Bitcoin mining and that she was able to withdraw her profit of $ XXXX plus by shelling out only $ XXXX. She encouraged us to do the same and that we should message her coach. And so i did, after i sent the money to XXXX via XXXX she sent me the cryptoemprextrades.net website info to set up an account. I called Wells Fargo XXXX to dispute it as i felt uneasy and stupid but I kept getting the automated reply to call back after the holiday. 
XXXX got back with me, and at this point, there was already {$7900.00} in the account with {$6900.00} available for withdrawal. I tried to withdraw money to make sure it wasnt a scam but i was told by both XXXX and an agent from the website that i needed to pay the upgrade fee first of {$2200.00} or more depending on the brokerage level status that i choose, otherwise, i will not be able to take any money out. I didnt send any more money as things were not adding up anymore. 
I messaged XXXX but she never replied back. I would not have believed this if it was from a random post but since it was from someone i know, i tried. 
I am still in disbelief that both Wells Fargo and XXXX dont have any sort of a solid process to filter out the scammers. Anyone can easily make an account and potentially use XXXX as one easy venue to scam people. Im still hopeful for XXXX or Wells Fargo to give me a courtesy refund. I dont feel like legit clients like myself are left vulnerable due to lack of scamming filter in their transaction system.

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 2021-12-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not apply for a job or apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not apply for a job or apply for credit.

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 2021-12-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My current address is XXXX XXXX XXXX, XXXX, CT XXXX. 

Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CT 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 2021-12-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
tried of this co closing the jcpenney acct, ashely furniture acct to a lower cr amt, these accts are in good standing, the high limits are none of their business, as they knew of it when i open the accts, also there was nothing in the app about real estate values.

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 2021-12-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
I Ordered what I thought was a living lemon tree on XX/XX/21 from XXXX. When it arrived, it was a plastic lemon tree. I immediately went on XXXX  and said that I want a refund and that I would send the item back. I then sent the plastic tree back. No refund was given by the merchant. Finally, ( and unbelievably ), XXXX actually denied my dispute about this even though I sent the tree back, which is crazy! I appealed and supposedly chime reopened the dispute. Also, I spoke with XXXX  again and XXXX  says it gave me {$55.00} credit but none has yet shown up in my credit account, It has now been two weeks since then. I don't understand how this dispute could have been handled so badly, Or why I don't have the money back yet? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I came to a Wells Fargo ATM to deposit an amount of cash. Using my digital wallet, I gained access to my account and deposited the amount in two chunks since the ATM has a limit on the number of bills that can be deposited per time accessed. After taking the receipt for the deposit, I drove off, but a few minutes later, I received a message that told me that {$200.00} had been withdrawn from my account, and to confirm whether this was done by me. Being sure that I had not made such a transaction, I immediately called XXXX XXXX customer service, and was able to cancel the card and the transaction was flagged down. They started an investigation which continued for a few weeks, and on XX/XX/XXXX I received a letter in the mail telling me that my fraud claim was denied and that they believed that I did the withdrawal or someone that I had given permission to, which is not accurate.

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 2021-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX Portfolio recovery reported a {$470.00} collection account to my credit report, I contacted them explaining i never owed this debt however they said " I actually made payments on it '' which never happened they said this was a XXXX card and it had a New York address on it, I contacted XXXX they stated that my account is 100 % clear and i don't owe anything to them, After back and forth i learned that this debt belongs to XXXXXXXX XXXX which i contacted they said they'll file a report and they'll mail me the result within 60 days I've never gotten a single letter. 
On XX/XX/XXXX and 2 years prior to that I was literally living over XXXX miles away from the address they stated. I disputed the item to the credit bureaus but to my shock it came back validated. This collection impacted my credit with XXXX points and made it way harder for me to obtain credit. 
Portfolio recovery with XXXX rating from the XXXX XXXX XXXX insisted that i owe the debt, even though i gave up to their scam and paid them the money they'll still be on my report for 7 years, I believe that's highly illegal to play with some random people life 's like that. 
I've got in touch with multiple media outlets and gon na share my story if CFPB did nothing to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My current address is XXXX XXXX XXXX, XXXX, Georgia XXXX. 
My current phone number is XXXX. 
My current employer is XXXX XXXX XXXX XXXX 

Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX. XXXX XXXX  CT, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX Wrong Employers : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP
State: NC

Complaint narrative:
Went to a dealership where they gave false information to the lender, than gave me a faulty car back in XX/XX/2021 with Professional Finance

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 2021-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX Portfolio recovery reported a {$470.00} collection account to my credit report, I contacted them explaining i never owed this debt however they said " I actually made payments on it '' which never happened they said this was a PayPal card and it had a New York address on it, I contacted PayPal they stated that my account is 100 % clear and i don't owe anything to them, After back and forth i learned that this debt belongs to synchrony bank which i contacted they said they'll file a report and they'll mail me the result within 60 days I've never gotten a single letter. 
On XX/XX/XXXX and 2 years prior to that I was literally living over XXXX miles away from the address they stated. I disputed the item to the credit bureaus but to my shock it came back validated. This collection impacted my credit with XXXX points and made it way harder for me to obtain credit. 
Portfolio recovery with XXXX rating from the better business bureau insisted that i owe the debt, even though i gave up to their scam and paid them the money they'll still be on my report for 7 years, I believe that's highly illegal to play with some random people life 's like that. 
I've got in touch with multiple media outlets and gon na share my story if CFPB did nothing to my case.

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 2021-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
XXXX x over 12 years on unidentified debt when im in a mortg mod XXXX one due to XXXX and hardship. They were told repeatedly anyrhing w XXXX was closed 12 to 15 years ago w an attorney. They must stop. Pressler in XXXX! They went to my employer multiple times it affected my job. I am no longer there. They are contacting an old mortg attorney. They disappear and resurface constant. I will not deal with them any further! I am a XXXX  at a XXXX XXXX  No ability to take back charged off debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: PA

Complaint narrative:
Ive disputed these accounts multiple times ive sent multiple CFPB complaints my rights have been violated under FEDERAL LAW 15 U.S. Code 1681b ( a ) ( 2 ) attached is my FTC report and my letter of instruction that was both sent certified mail. There are also two POLICE AND FCU accounts reporting with the same account number that needs to be deleted immediately

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 2021-12-26 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: PA

Complaint narrative:
Ive disputed these accounts multiple times ive sent multiple CFPB complaints my rights have been violated under FEDERAL LAW 15 U.S. Code 1681b ( a ) ( 2 ) attached is my FTC report and my letter of instruction that was both sent certified mail. There are also two POLICE AND FCU accounts reporting with the same account number that needs to be deleted immediately

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 2021-12-26 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: PA

Complaint narrative:
Ive disputed these accounts multiple times ive sent multiple CFPB complaints my rights have been violated under FEDERAL LAW 15 U.S. Code 1681b ( a ) ( 2 ) attached is my FTC report and my letter of instruction that was both sent certified mail. There are also two POLICE AND FCU accounts reporting with the same account number that needs to be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a onetime transfer from my XXXX XXXX prepaid card ( direct deposit ) of {$1000.00} on XX/XX/2021 to a BOA account and also {$960.00} on XX/XX/2021 to XXXX XXXX  account but the bank accounts I made the transfers to held the funds which they left me with no choice. 
I will really appreciate if something is to be done to help, 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 2021-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am in forbearance which I started in XX/XX/2021. When I started this I read all the information about it. But never saw anything about if I do this I would not be able to get another loan once Im out of forbearance unless I make XXXX payments in a row. Thats not what upsets me is fast forward to XXXX and I want to put the house on the market to sell. That is when i find out about the XXXX payments. I have sold my house and will be paying off the mortgage in a lump sum all at once. So I will not be able to Make XXXX payments so does that mean that I have to wait to one year to buy another house? I dont think thats fair. I am paying my obligation off in a lump some. So why am I being punished for something that was out of my hands?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: MA

Complaint narrative:
I received a debt collection letter at my mothers house for a XXXX credit card which I never opened or gave anyone consent to do so and I wasnt even aware that there was a XXXX credit card in my name. I dont know credit card number cause I never opened that account I would like for this to be resolved and investigated to know who account this is and why it is under my name. Im sure the purchases made on that account have up addresses if made online n etc or video footage of someone buying in store, that will prove this isnt my 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