vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC
State: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

XXXX XXXX  Account Number XXXX Balance- {$3700.00} Opened- XXXX XXXX, 2023 ( XXXX mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On or about XX/XX/year> I called American Express to cancel a business credit card. There was an outstanding balance on the card, but assumed I could pay it after the card was closed. Importantly, I was never told by the agent on the call that payments would be rejected after the card was closed. After I closed the card I made the payment on the outstanding balance. The payments however keep getting rejected. This has caused my consumer credit card to continually get declined. I called American Express to explain the situation and they were unable to help until they could verify funds, but my bank is closed on the weekends. I have been unable to use my consumer credit card because American Express did not tell me I had to make a payment before closing my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
Lakeland Bank has been acquired by Provident bank. 

My Home Mortgage was on a auto payment and scheduled to be fully paid off during the Lakeland to Provident integration- on XX/XX/year> XXXX month start. 

Payment has been posted but it still the loan shows me on

Payment PAST Due. This can impact my credit score and hold my ability to get a new mortgage to purchase my next home.

I have initiated several communications/complaints with Provident Bank but it has been over 10 days and still issue remain un-resolved.

Provident Bank need to be held liable if I am not able to get my new mortgage and the mental stress it is causing me.

This is a mess up created by Provident Bank to Lakeland Bank takeover and incorrect integration of their software / accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I paid off the full balance of {$3700.00} on my Citibank Costco Credit Card on XX/XX/year>. The screen said my balance due was {$0.00}. I received a bill from this bank for {$44.00}, which I paid on XX/XX/year>, and the screen said my balance due was {$0.00}. Now I've received another bill from Citibank for {$83.00}. 

I called Citibank and asked why I keep getting charged for a closed account that I paid off fully on XXXX XXXX. I was told that the charges were for interest because the payments I made were past the deadline. 

I believe the charges I've received since XX/XX/year> are a scam to get me to pay more than I am required to pay or what is fair. I want these scam charges to stop and a refund of {$44.00} for what I paid after I paid off the full balance due.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX SS : XXXX DOB : XX/XX/XXXXXXXX  I am filing this CFPB complaint requesting pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the Experian/ XXXX/ XXXX credit reporting agencies to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts, inaccurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries as well as a copy of consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize these accounts, collections and hard inquiries that are reported. This has resulted in mental anguish and pain. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/year> SS : XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX acct XXXX XXXX {$78.00}, XXXX XXXX XXXX acct XXXX XXXX {$10000.00}, XXXX acct XXXX XXXX {$5900.00}, XXXX acct XXXX XXXX {$4800.00}, XXXX acct XXXX XXXX {$1100.00}, XXXX XXXX XXXX  acct XXXX bal {$1800.00}, XXXX XXXX XXXX acct XXXX XXXX {$1300.00}, XXXX XXXX XXXX acct XXXX XXXX {$1800.00}, XXXX ( inquiry ), XXXX XXXX XXXX ( inquiry ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX XXXXXXXX  ( inquiry ), XXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX XXXX ( inquiry ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( inquiry XXXX XXXX XXXX XXXX ( inquiry ), XXXX. XXXX  ( inquiry ), and XXXX XXXX ( inquiry ). 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT SEE THE ATTACHED, THANKS

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX SS : XXXX DOB XXXX XXXX  I am filing this CFPB complaint requesting pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the XXXX/ Transunion/ XXXX XXXX reporting agencies to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts, inaccurate and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXXXXXX  under the account # XXXX. The other account is XXXX on XX/XX/XXXX under the account # XXXX. These accounts have resulted in several fraudulent hard inquiries as well as a copy of consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize these accounts, collections and hard inquiries that are reported. This has resulted in mental anguish and pain. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2024-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
Approximately 3 months ago I began receiving texts from Radius Global Solutions telling me to contact them. I had never heard of the company and I thought it was a scam, so I ignored these texts. A couple of days ago, I received an email from XXXX saying my SSN was on the dark web, so I checked my credit reports and found this Radius Global Solutions on all 3 of my credit reports as a Collections Account with the original creditor listed as XXXX XXXX. I have not done any business with XXXX XXXX. My phone is through XXXX and my internet is with XXXX as well. I had a brief time 2 years ago when I had internet with XXXX. 
I also found wrong addresses on my credit report. On both XXXX and XXXX there was an address in XXXX XXXX XXXX ( when I tried to put in a dispute online about the address it wouldn't let me because that was an address used by Radius Global Solutions ). And on XXXX, there was also an address in XXXXXXXX XXXX. I have never lived in either of these places nor do I know anyone that lives in these places. 
This debt is not mine. I don't know if my Identity has been stolen or if there has been a some other mistake made.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX SS : XXXX DOB : XX/XX/XXXXXXXX  I am filing this CFPB complaint requesting pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the XXXX/ XXXX/ Equifax credit reporting agencies to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts, inaccurate and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account # XXXX. The other account is XXXX on XX/XX/XXXX under the account # XXXX. These accounts have resulted in several fraudulent hard inquiries as well as a copy of consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize these accounts, collections and hard inquiries that are reported. This has resulted in mental anguish and pain. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIR CARDS AND LOANS. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date Opened- XX/XX/XXXX Balance- {$700.00}, XXXX XXXX XXXXXXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$300.00}. 

The information is incorrect and does not belong to me. 

I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/2023 - I called in to get information on when I needed to pay off my account before interest accrued. I paid off the amount the Wells Fargo employee gave me to avoid interest. However, this information was incorrect and the extra interest was added to my account which caused a delay in payment. 
XX/XX/2023- I called Wells Fargo again informing them of the issue with the balance owed because of the interest that was added. I was told this would be resolved and my payment wasn't due for another 19 days. 
XX/XX/2023 - I was connected with a Case Specialist via email and was given a resolution timeframe of on or before XX/XX/XXXX which was 3 days before my payment was due. 
They did not provide a proper resolution in the given timeframe which led to the late payment. 
XX/XX/2023 - a 30 day late payment appears on my account XX/XX/2023 - I reached out again and was assigned to a Case Specialist on XX/XX/XXXX and given a resolution timeframe of on or before XX/XX/XXXX. 
XX/XX/2023 - They responded saying they need more time. 
XX/XX/2023 - They provided a resolution and Wells Fargo agreed to remove the extra interest charges and the associated late payment fee. However, despite these adjustments, the late payment still remains on my credit report. 

This lingering record of late payment continues to jeopardize my credit standing, despite the fact that the initial error was due to misinformation provided by Wells Fargo staff.

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 2024-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
The last two months, I have made extra principle payments. These payments were made around the XXXX of each month. I also made extra payments at other mortgage companies last month around the same time of the month ( 2 at XXXX XXXX, XXXX and XXXX ). Of the 5 extra payments, only 1 had an unexpected outcome. Immediately I reached out and called customer service. I complained that interest was computed incorrectly but the agent assured me it was added correctly. Then I reached out through their message portal. The reason given was that they compute the interest savings on a daily basis. So i was only credited for about 8 days of the balance being lower. At the other lenders i do business with. It did not matter when during the month i made the extra principle payment. I believe that since interest is computed monthly. It should not matter what day I make the payment. Btw all banks mentioned above are standard loans computing interest monthly. Is it legal to treat principle payments as if the loan is a simple interest loan computing interest daily and treating monthly payment according to the original ammortization table. If it is legal then why wouldn't every lender be doing this. I don't see a downside for the lender. The people that get harmed are the ones that try to pay their loans off early. Please look into these predatory loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX is refusing to direct deposit my cashback into my account. Not only that, they keep lying to me on recorded lines. I made my XXXX call today to them in this regards and XXXX refused to give me supervisor, straight off said he wont give me a supervisor. Made XXXX more calls before I could get hold of a supervisor called XXXX and he also could not give me a straight answer on anything. The reality is that this Comenity is such a garbage pile of a bank that even their own agents or supervisors dont know what is going on. They keep filling more and more requests without trying to figure out what happened with their previous requests. Please revoke their banking license.

Company response to consumer: Closed with explanation