vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 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: NC

Complaint narrative:
I previously sent four dispute letters disputing unverified accounts on my credit report with Equifax and XXXX. The accounts I'm disputing were with XXXX XXXX and XXXX XXXX XXXX XXXX. I have sent XXXX  and Equifax dispute letters and response letters from XXXX XXXX XXXX XXXX and XXXX XXXX, stating that they can not verify the accounts that these two credit bureaus are saying that they verified. XXXX  and Equifax needs to delete these accounts because I have letters from these companies stating that they can not verify accounts that the credit bureau say I have with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This card is from the XXXX XXXX. Card # XXXX XXXX XXXX It is a store card which claims to give a discount if I use it to purchase from XXXX XXXX  catalog. 
I made a purchase in XXXX. I somehow missed the bill I expected to receive. When I received a late notice, I paid the balance of {$180.00}. 
It appears the company started charging me {$2.00}. every month & adding {$2.00} late fee. I was not aware of this. Since I was not purchasing, I did not check my balance. I received no notice. 
When I realized I owed {$6.00}, I paid this and asked that my card be terminated. 
Since then {$2.00} plus {$2.00} late fee has been charged to me every month. 
I have not made a purchase. I will not use this card again. 
XXXX XXXX  has made a mark against my credit report causing me to have to pay a higher interest rate. 
They say I still owe {$6.00} which I refuse to pay. 
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21 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: NC

Complaint narrative:
I previously sent four dispute letters disputing unverified accounts on my credit report with XXXX  and Experian. The accounts I'm disputing were with XXXX  XXXX and XXXX XXXX XXXX XXXX. I have sent Experian and XXXX  dispute letters and response letters from XXXX XXXX XXXX XXXX and XXXX XXXX, stating that they can not verify the accounts that these two credit bureaus are saying that they verified. Experian and XXXX  needs to delete these accounts because I have letters from these companies stating that they can not verify accounts that the credit bureau say I have with 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 non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Please see the attached letter for info request for all monthly mortgage statements you have on file for me at my residence at XXXX XXXX XXXX, XXXX XXXX Tx XXXX for the dates of XX/XX/2018 through current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I can not get the customer service to respond back to me over months now. There is no person to talk to resolve my issues. I can not get access to my account and they do not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21 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: Seasons Collection Service
State: NE

Complaint narrative:
XXXX XXXX XXXX is stating I owe them {$1000.00} for something that I never brought or product that I never received. The Credit Bureaus are not of much help as I have disputed this item 5 times and I still have to continue to show proof with a police report and Federal Trade Commission report. However XXXX XXXX XXXX  do not need to provide any proof to the credit bureaus. Please provide information as to what to do next? This has been going on for almost a year and still with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 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: AMERICAN PACIFIC MORTGAGE
State: HI

Complaint narrative:
I took mortgage forbearance in accordance with the CARES act beginning in XXXX of XXXX with American Pacific Mortgage. The account was in forbearance until they sold the loan to XXXX XXXX  in XXXX of XXXX. Mine and my wife 's credit report now show a 120 day delinquency from American Pacific Mortgage even though our account with them is closed. 

I have called and emailed American Pacific Mortgage about the issue and they say that the account was in forbearance and that they never reported the account as delinquent but my credit score and report show otherwise so I am now unable to get another mortgage.

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 2021-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I was scammed. I received an email saying he was going to be charged for a XXXX XXXX XXXX subscription. I followed the instructions to " undo '' the charges, the scammer accessed my Wells Fargo accounts. and transferred {$30000.00} from my savings and {$10000.00} off my credit card. I went within two hours to a Wells Fargo branch in XXXX, Nevada and told them I had been scammed and they needed to stop the transfer that was happening. The associate there told me not to worry because the transfer wouldn't go through until XX/XX/XXXX. But it did and I lost {$40000.00}! I have filed a police report and gone to the FB! already. I have spoken to multiple Wells Fargo employees who keep telling me the incident is being worked on but that the case is closed. It's been OVER A MONTH. I have been a Wells Fargo customer for 30 years. My family has had a terrible year. My brother died in XXXX and I inherited the {$30000.00} from him. My dog XXXX  away in XXXX. And my only son died in XXXX from XXXX at age XXXX. Now I am scammed out of my only inheritance. Something needs to be done immediately. I have emailed the Board of Directors at Wells Fargo as well as every executive and NO ONE has responded.

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 2021-08-21 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: NY

Complaint narrative:
On or around XX/XX/2021 when signing up for timeshare as a single individual there was no credit pulled or stated due to property was being taken over at the same rate and amount that was owned by the original owner. Three months later I noticed westgate being report without my written consent

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 2021-08-21 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: NY

Complaint narrative:
On or around XX/XX/2021 when signing up for timeshare as a single individual there was no credit pulled or stated due to property was being taken over at the same rate and amount that was owned by the original owner. Three months later I noticed westgate being report without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: NY

Complaint narrative:
On or around XX/XX/2021 when signing up for timeshare as a single individual there was no credit pulled or stated due to property was being taken over at the same rate and amount that was owned by the original owner. Three months later I noticed westgate being report without my written consent

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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I went ONLINE to XXXX to request an Equifax credit report BUT Equifax tells me I entered invalid answers to their questions when verifying me. Attached is a screen print of the refusal by Equifax. 
I also I CALLED Equifax at XXXX which also asked me questions over the phone and again I was refused. I also called XXXX and XXXX and it was the same Interactive Voice Response. I could NOT get past to a human being! 

I DON'T RECOGNIZE THE ANSWERS THEY PROVIDE FOR ME TO CHOOSE! I am a senior and my credit history goes back XXXX years. 
1 ) I don't remember my phone numbers from 20 years ago. 
2 ) Large companies have different names from the advertised names of loans or credit cards that I know them by. 

I have been notified by XXXX that my PERSONAL DATA WAS HACKED including my SSN. I have an XXXX FICO score and am concerned about IDENTITY THEFT. 
I tried Equifax.com and myEquifax.com and they don't recognize me either. I have a security Freeze on my reports but am told it won't affect getting my report at XXXX I pulled my last Equifax report on XXXX a year ago. I want to review my current Equifax credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank/Wayfair incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted Comenity Bank and all three credit bureaus ( XXXX XXXX, and XXXX ) multiple times during the past month - Comenity Bank has been extremely difficult to deal with.

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with Comenity Bank and the collection agency to confirm that there was no outstanding balance associated with my Comenity Bank/Wayfair account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But Comenity Bank is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the Comenity Bank department that handles disputes. I did both, and XXXX  a letter with supporting document to Comenity Bank on XX/XX/XXXX. The XXXX  tracking number shows that Comenity Bank received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in Comenity Bank was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A Comenity Bank representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that Comenity Bank used. 

Comenity Bank/Wayfair is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: Conn's, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I signed up with an agent of Conns home plus for a settlement of my account in the amount of {$2700.00}. First payment was XXXX XXXX of {$900.00}. Then a monthly payment of XXXX was due from XX/XX/XXXX until XX/XX/2021. The every month conn report to the credit bureau that I owe a higher balance of XXXX and decrease it by a XXXX XXXX dollars. I disputed the balance online and they never updated but never updated to the correct balance. I called and talked to a representative who couldnt tell me anything. How, why, or who I would have to talk to directly to get it fixed. Ive been making on time payments since Ive agreed to the loan terms of the settlement and want to get it fixed. This was a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Pay same as cash no interest as long balance was made by due date, I had balance due of XXXX by XX/XX/2021 I made before the XXXX however the day I call which I always make by phone to avoid processing fee talking to a real person I let them know their was phone problems I made payment of XXXX I realize i needed to pay XXXX but the machine had picked up by voice XXXX I was not able to pay XXXX cents I kept calling it took several days to process payment, by then my account had charged interest of XXXX and late fee. 
I call to speak to someone numerous times with no help I had to finally get a supervisor to file a complaint of of course they mailed me a letter telling me everything I already knew. They never considered that I never missed a payment and on said date I was truly trying to pay my balance off! 
I even tried to file a second complaint for I knew I had been done wrong I was told that it wouldnt do any good. 
They should have on file of all my calls and conversations. 
I even ask for a settlement balance answer was no we dont do that,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
We received a notice from a dept collection agent that we owed XXXX XXXX  approximately {$500.00}. We have not done business with XXXX in well over 15 years. In fact the last time we did do business with them, it was to sue them and we settled for about XXXX. I was in XXXX by a non-insured motorist in 2006 with no drivers license, no insurance, and driving a borrowed vehicle. I was almost paralyzed, my truck was totaled and I had to apply everything to my own insurance. XXXX immediately gave me the run around so we sued and eventually settled for XXXX. This bill from a collection agency is clearly way past any statute of limitations. This agency has clearly bought this bill hoping for some kind of resolve, but we NOT are recognizing this as a legitimate debt. 

We have sent them a letter and asked them to discontinue contacting us under the Federal Fair Debt Collection Practices Act under Section 1692C Title 15, they must discontinue contacting us, for debts that are clearly not legitimate, but they have not. We have received another letter from them clearly ignoring our request. 

We are therefore filling this formal complaint with the FTC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
As I had mentioned in a previous complaint against TD bank, despite the fact that I have had a Direct Deposit account for Social Security XXXX with TD Bank for more than ten years they have continued to deny me consideration for a credit card or auto loan or mortgage loan resulting in me being forced to experience continuing difficulty in business, employment and in making it through a day to day existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for an Amazon store card on XX/XX/21 and instead of the store card I received a Amazon Prime Rewards Visa. It was the wrong card and I contacted both Amazon and Chase and they both said to go to the credit bureaus because it was out of their hands. I keep filing dispute after dispute and it is being rejected. I never applied for this specific card. Now I have a closed account because it is the wrong card and I do not use it and closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Walla Walla
State: OR

Complaint narrative:
Received garnishment in mail for a medical bill from 8 years ago. I am so confused because first it's a garnishment filed in XXXX  state from a judgement from 8 years ago. I live in XXXX and have for 7 years. Second I don't recall ever receiving anything in mail either at all or not for a long long time since I've been in XXXX  from XXXX stating you had the medical bill which I thought was required. If it was sent years ago then I'm not going to remember that and new letter should of been sent to my address in XXXX. I have received 2 letters this year recently from a different collection place called collection bureau of walla walla stating they had the account. How can two collection places have the same debt? I don't understand that and why wait so many years before filing this? I didn't even remember about the medical bill until receiving the collection from other company. I do not want a garnishment against me, it's embarrassing for employer to see and if the max % that's allowed is taken out, I won't be able to afford all my rent and bills anymore and will end up in even more debt. I can not afford and it was for medical procedure I had to have done and insurance barely covered. I was going to set something up with the collection place that sent me the letter to either lower amount or make payments here soon but then this showed up from a different collection company... .very confusing. I would rather make payment arrangements or do anything else other than a garnishment. I'm so upset especially since it was medical issue I didn't have control of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
Company called EOS CCA XXXX XXXX XXXX XXXX, MA attempting to collect debt that is not mine. They reported to XXXX  and dispute was denied by XXXX. I have never lived near the address recorded for service for the XXXX XXXX account. I have an excellent credit history. Common sense would prove that this debt is not mine. 
Turned over to collection on XX/XX/21 and I have never received one notice from XXXX XXXX  or XXXX  or this collection company. Was found on XXXX  credit check. They refuse to remove my responsibility for this identity theft. It appears that EOC is simply attempting to force consumers to pay fraudulent bills to retain credit scores. Thank you for your assistance.

Company response to consumer: Closed with explanation