vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Contacted the company and credit bureaus regarding reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
" XXXX XXXX " Credit Card applied for on XXXX XXXX, XXXX. I never called to activate it. 
I live outside of town and receive mail at the Post Office. I have no PO Box out in front of my house. This was discussed at length with the XXXX XXXX  employee-NO MAIL IS DELIVERED TO OUR HOUSE!!. I recived no bill from XXXX XXXX and decided to call and report it on XX/XX/XXXX. I gave my checking account number to the woman with instructions to withdraw the {$54.00} that was due. On XX/XX/XXXX XXXX XXXX wrote me a letter that the {$54.00} " was returned '' by my bank and that a fee had been charged! I now have a letter from my bank stating that no such transaction had happened. So, I called a second time and a different person answered and took the payment. Shortly after that, I received a bill from XXXX for {$32.00} - due on XX/XX/XXXX. I called to complain and was told that my bank had charged that. In the letter from my bank, it is stated that no such fee has ever been charged to my account!!! I'm still receiving phone calls and written bills from Comenity Bank of XXXX XXXX - I'm not sure which it is. The latest billing is for {$100.00}. The same day That I applied for this Credit card, I applied for one at a department store and had a similar problem which was quickly taken care of during the phone conversation with an employee. All is well with that one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Contacted the company and credit bureaus regarding reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a debt to pay to American Express. I had hired an attorney to negotiate a deal. This was due to Covid and my company closing. But I wanted to pay. 

Even though the deal was negotiated and a payment plan was in place. I broke my 401K to pay in full so they could discharge the judgment. 

On XX/XX/XXXX I spoke to XXXX XXXX who gave me instructions on how to pay my balance in full via a wire transfer. 

I immediately made a payment to XXXX account XXXX in the amount of {$4500.00}. 

Since then, I have been calling to clear my account. On XX/XX/XXXX I spoke to XXXX XXXX who told me I was given the wrong account number and to rest assume that the payment was made. He promised to call me back the following Thursday and I never heard from him. 

I was then sent to a XXXX on XX/XX/XXXX. Then on XX/XX/XXXX, I was handed over to XXXX XXXX. Who has yet to call me about this. 

I am now being told to call my bank and ask for the wire back. And that he will open a complaint. 

How does a company like Amex not know where a wire transfer is? 

I am really starting to think I have been scammed with this. I request that a supervisor or manager contact me at XXXX but never heard from anyone! I have sent them proof of full payment from XXXX with my statements Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I, XXXX XXXX, have submitted all necessary documentation five times to TransUnion LLC and they continue to report such accounts. TransUnion LLC has willfully and knowingly continued to report false information on my consumer credit report and are liable pursuant to 15 USC 1681n and 15 USC 1681o. TransUnion LLC is in violation of 15 USC 1681c-2 ( a ) by deliberately failing to block the information from my consumer credit report. TransUnion LLC is in violation of 15 USC 1681b ( 2 ). TransUnion LLC is in violation of 15 USC 1681b ( b ) ( 1 ) ( A ).

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 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
So today XX/XX/2021 I called a number that kept blowing up my phone, hassarssing me XXXX the name of the company is sequium asset solutions. Before I got to say anything 1. They told me it was an attempt to collect a debt which is illegal pursuant to 15 usc 1692e ( 10 ), ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. They never asked who they was speaking too. Also the lady I spoke to XXXX asked if the address they had on file was the address I stay at. How are you going to blow my phone up and ask if I stay at an address that I never stayed at before! Before y'all call people make sure you have your facts STRAIGHT! Do NOT call my phone any more, DO NOT report any information you have onto my consumer report I do not give you permission to sell any information to any consumer reporting agencies or anyone else who is seeking information. if you violate my right 15 usc 1681 ( a ) ( 2 ) you will be committing Idenity theft defined 15 USC 1681a ( q ) ( 3 ). Since you have violated 15 usc 1692d ( 5 ), ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

You caused my phone to ring 3 times I am demanding {$3000.00} and {$1000.00} for violating 15 usc 1692e ( 10 ) which I stated above. Pursuant to 15 usc 1692k ( a ) ( 2 ) ( a ) I am entitle {$1000.00} for each violation ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have tried to reach out to Bank Of America because my account is currently negative {$360.00} which {$310.00} of that is all overdraft fees, I told them I want to bring my account in good standing but only have {$100.00}. Today before I proceeded with making a complaint I contact bank of america one last time to see if they atleast help me remove half of those fees and she was only able to remove 3 which honestly not alot of help ...

I am currently struggling because my check is {$600.00} short due to only working 20 hours a week, and having 2 deaths in the family due to XXXX. so helping me remove those fees would help me alot.. I have contacted them 4 times and they always just say they cant help and that theres an agreement that they can charge those overdraft fees but theyre clearly not being considerate that their clients are struggling. yet they're currently trying to charge us for money I dont even have. worse part is I would understand if theyre covering the bills and actually paying for them on top of an overdraft fee but all those fees are are due to the ach bouncing. all Im asking for from Bank Of America during these tough times is to help me remove those overdraft fees. if I had the money to cover these overdraft fees I would just do it instead of going through this whole hassle but I have no other option. 
I have provided proof of my paystubs of how much my income has changed in the last couple of months ...

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 2021-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Opened a Citi Checking & Savings accounts for a {$700.00} bonus.

- Funded the account and completed per instructions from beginning - Multiple times check with Customer Services if I completed all requirements and always received the " Yes, you follow all requirements & will receive a bonus around the end of XXXX '' - Never received the bonus > Submit a Case to Citi team > The response was " Unfortunately, your account does not qualify for this promotion because the Citi Global transfers are not considered a qualifying deposit. '' - I called Citi to follow up and was told I can't respond to the result of the ticket, and nothing else I can do. When I applied for the account, there is no info in the disclaimer or any info related to " Citi Global deposit '' is not acceptable.

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 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I would like to ask you to check these accounts. Because dates and information are incorrect. I sent already couple of letters but I am ignored completely. I contacted directly these companies and asked them to change and delete the accounts. I contacted Bureaus and asked them to stop poor reporting. Everywhere I am ignored. Please check these account sand delete wrong information. 

These are those accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX Thank you! I hope this time it will work out.

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 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted Wells Fargo, the servicer of my mortgage loan, to consider removing the PMI. I was told that I had to order an appraisal and they would send me documentation to do so. I then consented to the appraisal cost, which was quoted at {$550.00} for a XXXX XXXX  XXXX  in XXXX, Tx. It seemed high, but I was told I had no choice in the appraiser, I had to go through their company, XXXX. I did so, and paid {$550.00} on XX/XX/2021 and was told I would be contacted to set up the appraisal. 

On XX/XX/2021, a rep from Wells Fargo called, not to schedule an appointment, but to tell me that the actual cost of my appraisal would be {$960.00} and that I needed to pay the difference before anyone would come out. 

I feel there are 2 issues wrong with this scenario.

1. The cost is about 3 x what my realtor and other mortgage sources tell me it should be 2. I have no choice of appraisal companies, several of which will only charge {$300.00}. The highest quote I got from a local company was {$590.00}. 

I am told by Wells Fargo, pay up or continue paying your PMI. I do not feel this process should be legal.

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 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an account which is reporting inaccurately to two of my credit bureaus, per the FCRA they have to report accurate information. Please delete these from my credit bureaus due to inaccurate reporting.

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 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.

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 2021-08-05 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: FL

Complaint narrative:
I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an account which is reporting inaccurately to two of my credit bureaus, per the FCRA they have to report accurate information. Please delete these from my credit bureaus due to inaccurate reporting.

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 2021-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Due respect after CFPB did their investigation on my ongoing credit report with Experian I went to take out a equity loan from my property and Experian still update my report again with XXXX XXXX XXXX  XXXX which was investigated when I went in my cfpb portial it stated company close open account opened XXXX of 2017 this act I never have nothing to do with this company because of this action I have so many hard inquiry it is tasteless i can not get a head in my business this left me with my foster parenting to fail only Experian using this transaction I know nothing about to let me fail the number on this credit report XXXX is unreachableI need your help once again 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 non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for credit with Chase bank today and was denied. I filed bankruptcy in XXXX and have been working very hard rebuild my credit. I pay all my bills on time every month. I have several accounts with Chase 1 business account, 1 personal checking account, XXXX children 's accounts and a savings account. I also have my auto loan through Chase. I am applying for the credit card to further build my credit to buy a home within the next 12 months. I'm a hard working widowed mom. I am a XXXX, I own a small business and work a full time job. I am seeking a small credit line with Chase Freedom credit card to further improve and increase my credit competency. I would kindly ask chase to work with me in rebuilding and reconsider my denial I haven't had a single late payment. My credit scores range from XXXX to over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
TWO COMPANIES ARE REPORTING FALSE INFORMATION TO THE CREDIT BUREAU OF AN ACCOUNT THAT I NEVER HAD WITH THEM I NEVER OPENED A TELEPHONE ACCOUNT WITH THAT COMPANY, THEY ARE REPORTING ME CHARGES OF {$1500.00} AND THEY ARE DAMAGING MY CREDIT. ACCOUNT NUMBER # XXXX I.C SYSTEM INC {$1500.00} XXXX XXXX XXXX # XXXX {$650.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$970.00} XXXX XXXX XXXX  XXXX XXXX # 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 2021-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On the date of XX/XX/2021, I entered a consumer credit transaction with navy federal in the amount of {$74000.00}. I'm exercising my right as a consumer to dispute an alleged debt under federal law. Pursuant to 15 U.S.C 1692g ( b ) As the consumer, I requested the name and address of the original creditor. Navy Federal shall cease collection of the alleged debt, or any disputed portion thereof until Navy Federal : obtains verification of the alleged debt, verification of the name and address of the original creditor, and a copy of such verification name and address of the original creditor, is mailed to me by Navy Federal.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section by federal law. If any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character. Also, if any of my accounts are frozen or closed for exercising my rights as a consumer, I will not hesitate in bring legal action against you and/or your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was working with XXXX XXXX  to repair my credit last year and I disputed validity of 2 debts to Capital One Bank which were listed on my report. After the waiting period, it was determined that I'd proven my claim and Capital One had to remove the items from my report. A year later I suddenly get a notification that my credit has dropped nearly 30 points because of a new collection. When I looked to see what it was it showed, XXXX XXXX which confused me as I don't know anything about them. Upon opening it I discovered that it was Capital One. They were reporting it as a brand new debt and saying that I currently have open accounts with them. All lies. They've now added a second item from Capital one to myreport and are essentially destroying my credit score. I was under the impression that once you win the dispute its over. Not that the company can decide to sell it off to a debt buyer and then they can put it back on your report. I spoke with XXXX  today and they told me that this constitutes fraud.

Company response to consumer: Closed with explanation