vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
Sunrise Credit Service furnished in my report from months XXXX for a debt that was not validated. XXXX had no right to furnish the report, as 15 USC g. ( C ) states the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. XXXX also used deceptive tactics and sent deceptive forms stating the creditor was attempting to collect on the alleged debt. The creditor furnished this on my report as charged of on XX/XX/2020. This means the creditor was no longer trying to collect. XXXX harmed me mentally and financially by damaging my credit, stating that I owe an alleged debt which defamed my character. 

XXXX is in violation of 15 USC 1692j ( 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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX, XXXX XXXX XXXX and Bankruptcy. 
This has caused me tremendous anxiety, stress, and financial hardship.

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 2022-09-14 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: NJ

Complaint narrative:
I Have disputed with this company and they refuse to remove incorrect information from my report. I have reported this to the FTC and CFPB and nothing was done.

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 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have a checking account and associated debit card from BMO Harris Bank ( BMO ), among other banking products. On the evening of Sunday XX/XX/2022, I received a notification from the BMO Mobile App ( App ) that a charge on that debit card was " Denied due to card issuer rejection ''. I did not recognize the merchant, location, amount, or time, and viewed the attempted transaction as fraudulent activity. To prevent additional fraud, I immediately disabled the debit card using the App. 
The next day, Monday XX/XX/XXXX, I called BMO for advice using the toll free number on the back of my debit card. After authentication and confirming the details, the representative set up a card replacement via mail. 
Per this conversation, replacing the card was something the bank representative chose. I did not request a card replacement, nor did the representative confirm that I wanted a card replacement. They phrased the situation like " to ensure the security of your account, we will be replacing your card ''. The representative did not disclose any fees for card replacement, and did not gain my consent to accept any fees. 
Today, via the App, I noticed a {$5.00} charge on my checking account for " REPL/EXPED FEE '', dated XX/XX/2022. I believe this is a charge for replacing my debit card. I view the charge as incorrect because I did not request or consent to that service. 
Furthermore, the debit card was due to expire next month, in XX/XX/2022. The representative could have seen this and chosen to rely on the routine card replacement process instead of specially ordering a new card. But because I did my part to report fraud as a vigilant customer, I ended up with an extra fee from BMO.

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 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-14 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: NJ

Complaint narrative:
I Have disputed with this company and they refuse to remove incorrect information from my report. I have reported this to the FTC and CFPB and nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Found several federal violations in my contract as well as a forged signature please see attached documents and exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
There is a debt on my credit for {$2400.00} I sent a certified letter to the reporting company, Wakefield and Associates on XX/XX/2022. They received the letter on XX/XX/2022. I requested for them to verify the debt. After 30 days, on XX/XX/2022 I forwarded the letter along with the certified letter receipts showing the company received my request. I requested for the credit bureaus to remove this debt from my credit report as it was never verified to me that it is my debt. 

All 3 credit bureaus replied back that they have verified the debt and will not be removing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX has violated the Regulation F rule in attempting to make contact with me for the 7 within 7 rule. 

From XXXX they have made an attempt 13 times from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Case Number : XXXX On XX/XX/XXXX the purchase was made using Capital One Credit Card. As the product was never delivered I contacted Capital One and filed complaint. Later I received the message from Capital One that the purchase was valid regardless of the lack of the proof of delivery ( the received one did not specify house address, and it did not match the specifics of the delivery ). In the same message Capital One asked to answer if their decision was not accepted. On XX/XX/2002 the letter was sent to Capital One ( see attached ). As of XX/XX/XXXX no response was received from the Capital One regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a loan with Wells Fargo Auto from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, Wells Fargo reported I was 30 late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, XXXX, and XXXX as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with Wells Fargo.

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 2022-09-14 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with XXXX XXXX XXXX XXXX. I have been misled by XXXX XXXX XXXX XXXX AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the XXXX XXXX ending in XXXX. XXXX XXXX XXXX XXXX has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, XXXX XXXX XXXX XXXX received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). XXXX XXXX XXXX XXXX has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, XXXX XXXX XXXX XXXX has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with XXXX XXXX XXXX XXXX. I did NOT knowingly and willingly agree to an unconscionable agreement. XXXX XXXX XXXX XXXX has conspired and restrained trade and commerce which is ILLEGAL. XXXX XXXX XXXX XXXX has closed and charged off both of my credit cards which is discrimination and an adverse action. XXXX XXXX XXXX XXXX has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. XXXX XXXX XXXX XXXX has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with XXXX XXXX XXXX XXXX. I have been misled by XXXX XXXX XXXX XXXX AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the XXXX XXXX ending in XXXX. XXXX XXXX XXXX XXXX has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, XXXX XXXX XXXX XXXX received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). XXXX XXXX XXXX XXXX has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, XXXX XXXX XXXX XXXX has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with XXXX XXXX XXXX XXXX. I did NOT knowingly and willingly agree to an unconscionable agreement. XXXX XXXX XXXX XXXX has conspired and restrained trade and commerce which is ILLEGAL. XXXX XXXX XXXX XXXX has closed and charged off both of my credit cards which is discrimination and an adverse action. XXXX XXXX XXXX XXXX has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. XXXX XXXX XXXX XXXX has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file 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 2022-09-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
On XX/XX/2022 my commercial loan consisting of 35 properties was transferred from XXXX to Fay Servicing. Within days of transferring, XXXX  requested proof of insurance for the 1 referencing property on this loan. My insurance agent complied and sent them proof for just the one property. What they actually wanted was proof of all 35 properties. Before he could send them, the loan was transferred to Fay Servicing. Also, XXXX force placed Insurance in the amount of $ XXXX. This totaled {$250000.00} ( 34 properties ). The loan came into Fay Servicing with an escrow deficit of {$250000.00}. 
I found this out mid XXXX of this year and since then have been spending days and days trying to resolve the issue. I was able to show proof to XXXX that I was covered for the time I had my loan with them. They have since credited my, now transferred, account. In that time I've communicated with many different reps over there. I documented all their names, email addresses and some phone numbers. XXXX and Fay Servicing both stated that they will not voluntarily communicate with each other. I have made it my mission to get this resolved. I sent Fay all the documentation I received from XXXX showing proof that the deficit has been credited. I also sent them names and emails of contacts I have communicated with, for this info. That was sent to Fay on XX/XX/XXXX. I also sent Fay all my insurance certificates for all 35 properties so they can do a new escrow analysis. I should be in the positive {$32000.00} in my escrow account on that 1 loan. They are still showing a deficit of {$220000.00}. 
I have called Fay many times since I have started this and nobody has any answers to why this isn't getting resolved. They just claim that there is no communication amongst all the different departments. ( escrow, commercial, insurance ). I'm worried because my insurance is due in 20 days and without receipt of the premium to my insurance company, I'm at risk of Fay force placing their own policy. Please let me know what I/we can do in order to resolve this issue. It shouldn't be this difficult to zero out a mistake. Thanks in advance.

Company response to consumer: Closed with explanation