vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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: DC

Complaint narrative:
I have made several attempts to have Equifax update my credit profile to no avail. I have asked them to verify the bankruptcy reported on my credit file. I have been asking for verification for months and the only response I receive is that it has been verified through XXXX XXXX. I received information back from XXXX XXXX in a letter dated XX/XX/2021 that after their reinvestigation the information has been removed from their report. I filed another dispute with Equifax on XX/XX/XXXX along with the letter from XXXX XXXX. I again asked for verification only to be told on XX/XX/XXXX that the information was verified through XXXX XXXX. I called and spoke to a rep on the phone and made them aware of the problem. They said they would open a dispute, which they did, on XX/XX/2021 and the rep said he will reiterate that XXXX XXXX has removed it from their records and even said he will let them know I sent the letter in to them. On XX/XX/XXXX, confirmation # XXXX, Equifax again closed their investigation stating that the information has been verified through XXXX XXXX. I do not understand how this could be. Clearly, they are violating my rights and they are not investigating information that I have a right to have investigated. 
Please help assist me with having this information removed and holding Equifax accountable. 

Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
got a duplicate charge by XXXX XXXX XXXX XXXX for an order originally deducted and shipped on XX/XX/XXXX. On XX/XX/XXXX, they posted the charge again. The money had already been deducted in XXXX clearly or i wouldn't have the items in my possession. The item s they say they just shipped are seasonal and not even available for sale anymore so the charge is clearly fraudulent. I file an unauthorized transaction dispute and call customer service and this guy XXXX says he needs to change my dispute to item not received. Well then they deny my dispute because of the tracking number the same tracking number from back in XXXX! This is a fraud loophole that has been used on PayPal and these instances are all over the internet of them denying fraud protection because of fake tracking numbers. To appeal the dispute i seek a running account balance and they arent providing one. This is illegal and they were already sued and the judge ruled they were violation of the law for not providing monthly statements with a running balance. They still arent abiding by the law. And this is so they can double charge and skim accounts, and both steal and reap transaction fees from fraudulent charges. They wiped my account and that caused an overdraft. They do not have my permission to debit my bank account but they did it anyway! This is illegal! Then today they froze my account and are saying they want my drivers license and bank statements and credit card info and SS number ; stuff they have NO right to see or mandate access to. I am the victim reporting fraud and they are making me out to be the criminal! I am trying to find a lawyer to take them on this is outrageous. i already live below poverty level and for them to do this to a XXXX woman who has nothing who has used them for two decades is absolutely abhorrent and they should have consequences. I want my money back and I will not provide them with any of that documentation and i want my bank info removed from their access. How can I get this done? 
They were just found guilty in a class action for some of this stuff like freezing accounts and no running statements three years ago, obviously they don't t care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These are Federal student loans that are reported inaccurate. I want remove immediately as thats a violation.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I've contacted the company and they did not give me any information. I've contacted EQUIFAX AND XXXX To remove these unauthorized inquiries from my credit report and they have not done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Identity theft. Checking, savings and {$35000.00} personal line of credit opened in my name at XXXX XXXX XXXX in XXXX early in XXXX this year. I received letters with my new account number and PIN. I contacted XXXX and filed a complaint. No loss of money occurred. I have not heard their response yet but their Fraud division suggested I file a complaint with the FTC. I suspect it was online enrollment. Since the letters were sent to my home address in western Missouri, I am wondering if it was someone local who then planned to steal letters from my mailbox. I filed a report with my county sheriff.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
instead of closing accounts and working on existing balance FREEDOM DEBT RELIEF, allows the accounts to charge late fees until maxed out then over limit AND late fees I sighed up with XXXX divorce settlement payments. now 2 YEARS LATER my balance is OVER $ XXXX this after {$250.00} a month payments THIS COMPANY MUST ACTUALLY BE WORKING FOR THE CREDIT CARD COMPANY 'S most of these cards still had credit available not maxed out! NOW I OWE DOUBLE on what I started with. DEFINATLY A SHADY outfit. FREEDOM DEBT RELIF, XXXX AZ.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Attorneys for WSFS have provided 400 BLANK page so Discovery twice- Provide the trust paperwork for XXXX XXXX XXXX XXXX it is not listed in XXXX Wilmington Savings Fund society , FSB , d/b/a Christiana Trust, not individually but as Trustee for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL WSFS-you are suing me and I want/need Discovery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo reporting closed & paid account as 30 day delinquent.

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 2021-10-02 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It have been well over 30 days and I haven't received any investigation results.

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 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have always paid in full before the balance even due. Thus, there should not be any interest. Yet this Credit card company charged XXXX interest rate. Furthermore, the customer service are routinely abusive and racist. 

Note .. My email is personal and private and should NOT be used by Elan

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 2021-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I took out a loan for XXXX. Ive been paying this loan faithfully every month of XXXX any the loan isnt moving downward. It still states I owe XXXX. Actually it states I owe more. Ive never heard of a loan that increases every month. This is robbery at its finest. I will be paying back 3 times the amount of loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
got a call today and message left was that they were calling from Amazon and there was fraud on my account and to please call back on the number XXXX XXXX. Of course I did not call that number. If there was any fraud I would have been contacted by the bank who has my Amazon account ... Chase bank. Just want to report the number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed this account by mailing back the credit card cut in half along with a note to this effect and a payment for the last bill. The bank claims that they closed the account about two months later. Moreover, they applied an overdue charge to the account for a balance remaining of {$0.00}, and then applied additional monthly overdue charges for that late charge until the total reached {$180.00}. All overdue charges for an overdue charge on a paid off and closed account. They continue years later to report this " debt '' that I supposed owe them.

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 2021-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
There was a loan applied to my account that u did not do nor did I receive it and it is making a difference in my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
How much is XXXX getting paid per year/ or otherwise for XXXX XXXX  XXXX XXXX XXXX use the trust name " Wilmington Savings Fund society , FSB XXXX d/b/a Christiana Trust '' - this is common knowledge now that the trustees are in name only -- just want to know how much you get paid it is on your documents that you do not foreclose -- case XXXX XXXX XXXX XXXX, FL WSFS-you are suing me and I want/need Discovery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've contacted the company and they did not give me any information. I've contacted XXXX AND TRANSUNION To remove these unauthorized inquiries from my credit report and they have not done it.

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 2021-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have weeks ago received a status of loan letter and within it states Acceleration Warning notice of intent to foreclose. There is no account showing this HELOC on my XXXX XXXX credit report SEE ATTACHED showing this so called debt. This is a violation of the Federal Laws of Reporting Debt 15 U.S. Code Section 1681. Chase and or XXXX XXXX or whomever is initiating this illegal acceleration/foreclosure attempt. Please SEE ATTACHED there is no account for this party Chase to foreclose on and also there can be No piggy backing onto the existing illegal attempt to foreclose on the primary so called mortgage loan. These are both illegal attempts to threaten this XXXX yr old, XXXX, indigent person with a limited education into profiteering at my expense which I will not be your victim. 
Please see all attached this is my response to your XX/XX/XXXX letter from Chase Mail Code XXXX P. O. Box XXXX, XXXX OH XXXX. I will not be your victim of senior abuses. There is a new law against this type of crime ; XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. An elder abuse case has many stages from the incident through investigation ( by adult protective services or law enforcement ), prosecution, and trauma recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Synovus Bank
State: GA

Complaint narrative:
First ProgressXXXX XXXX not investigating dispute in 30 day periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX reporting closed & paid account as 30 day delinquent.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX reporting closed & paid account as 30 day delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX reporting closed & paid account as 30 day delinquent.

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 2021-10-02 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: MS

Complaint narrative:
EQUIFAX is breakfast the law according to the FCRA! They have changed my account history with my XXXX accounts and are now reporting missed payments after reporting 100 % on time payment history! This is a direct violation of 15 usc 1681e ( b ), 15 usc 1681b ( 2 ) and they are punishable pursuant 15 usc XXXX by 1,000 dollars per violation. I am submitting screenshots of how my reporting was correct and how they are now in violation of the FCRA by reporting inaccurate information! By law once a credit reporting agency deletes inaccurate information the information can not be placed back onto the consumers report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I, XXXX XXXX, a natural person spoke with XXXX at XXXX on XX/XX/2021 at XXXX XXXX. He stated Wells Fargo has verified all information on my credit report. I asked him if Wells Fargo produced documents stating written permission to furnish this information to my consumer report. He stated XXXX does not have this document and Wells Fargo never produced the document. The XXXX representative boldly stated they follow 15 U.S.C. 1681b - in regards to written instructions from the consumer to furnish a report. A clear violation because I never gave written permission to Wells Fargo or XXXX to furnish this account on my report. I demanded to invoke my right to privacy, Pursuant to 15 U.S.C. 1681 a ( 4 ). I never gave permission for this account to be furnished on my consumer credit report. XXXX is not reporting accurately. Both XXXX and XXXX do not report this information. A clear violation for reporting inaccurately. XXXX is using the excuse that " an unauthorized third party ''. They are refusing to fix this issue. XXXX is ignoring my demands to fix this issue and it is causing me mental anguish, stress and injury to my reputation.

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 2021-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 Associated Credit Union sent me letter alleging I owed them a debt. 

I mailed them a letter on XX/XX/2021 asking them to furnish proof. 

They mailed me an invoice that did not have any signatures or contract language showing I owed them or the original creditor what they're claiming I owe. 

Only XX/XX/2021 I mailed a second request for compliance. 

They NEVER replied to my request for compliance, instead they waited until XX/XX/2021 and sent me the exact same letter they on XX/XX/2021. 

Due to the fact they ignored my request for proof twice, it is my belief that they're attempting to see if I do not respond to this letter in their 30 day time window so they could unlawfully post their account to my credit report. 

I am sending this complaint in hopes that they stop harassing me for good. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I had lab work done at XXXX XXXX during XX/XX/XXXX. My medical information was shared with a collection agency, Account Resolution Services, now I am be charged {$2000.00} since XX/XX/XXXX. I've attempted on two occasions sending letters to ARS for debt validation on XX/XX/XXXX, and XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for ARS to have authorization to collect a debt. Instead ARS has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies on XX/XX/XXXX, explaining that ARS has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. As of today only XXXX has corrected my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity 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 explanation
Consumer complaint received 2021-10-02 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:
XXXX XXXX XXXX not investigating dispute in 30 day periods.

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 2021-10-02 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:
XXXX XXXX XXXX not investigating dispute in 30 day periods.

Company response to consumer: Closed with explanation