vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I filed my first unemployment clam on XX/XX/XXXX. It says that your card will be mailed out the first week you clam for benefits and it will take 7 to 10 days to receive in the mail. On XX/XX/XXXX i received a email saying that my replacement card is on the wat depending on the time and day tracking info be available. There was no tracking number or how it was mailed. XX/XX/XXXX i called was on hold 2 hours and hung up on. I try to contact via email or wedsite and cant because i don't have a card number. XX/XX/XXXX called 4 times got hung up after i finally get thur the 5 min automaton system. On the XXXX try i finally got put on hold for 2 hours and got hung up again. On XX/XX/XXXX called and was on hold for 1 hour and got thur to talk with someone. They told me i should of received my card the day befor and adviced me to wait to see if the card came that day. It did not come so it tried calling same day and yet again on hold for 2 hours and hung up on. XX/XX/XXXX, and XXXX same thang on hold for 2 hours and hung up on. Its very frustrating because i lost both jobs due to covid-19 and i have no money to pay my bills but i have over 2,000.00 from unemployment but can't get my money because i have not received a card and can not get a hold of the company to let them know i haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-04-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-04-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
Since XXXX, XXXX, I have worked tirelessly to resolve a straightforward credit reporting dispute with PennyMac to no avail. Communication to Pennymac over this period has included over a dozen phone calls, a half dozen faxes, and a written request for records. 

Overview : In Q2 XXXX, PennyMac disabled my ability to make automatic payments and payment by phone and web when an automatic payment failed to process. This imposed a substantial burden upon myself, as under Pennymacs limited certified funds status, I was left solely with the option to mail cashiers checks, which I would not be able to do while traveling internationally. 

On a XXXX XXXX XXXX phone call, I requested a Pennymac agent allow me to pay by wire transfer -- I was trying to make an effort to get payment in as soon as possible to avoid adverse impact to my credit report. Per account notes furnished by PennyMac, the agent ADVISED THAT [ PennyMac ] ONLY LIKE [ s ] TO USE [ wire transfers ] TO PAYOFF THE LOAN. The notes indicate that I informed the agent this was the only way I could make payment ( BWR STATED THAT IS THE ONLY WAS ( sic ) TO MAKE PYMTS ) and that the representative informed me I was would be in the limited certified funds status until XX/XX/XXXX ( ADVISED THAT MUST HAVE CERTIFIED PYMTS UNTIL XX/XX/XXXX ). Finally, the representative provides me with " payoff information '' and documents that I will wire that day. 

Throughout my correspondence with PennyMac since XXXX, XXXX, I have maintained that they should not have reported delinquent payments to credit bureaus, as they did not provide me with a way to make payment. 

In a XX/XX/XXXX letter enclosed with the production of records I had requested, a PennyMac representative erroneously states that the certified funds limitation was removed in XX/XX/XXXX, which is contradicted by the notes of the representative on XX/XX/XXXX : " My research confirmed that due to the number of returned payments received for your mortgage loan, PennyMac placed a certified funds requirement on your account on XX/XX/XXXX, and canceled your AutoPay. Further research confirms that due to the hardship the certified funds requirement caused, PennyMac removed the requirement as a courtesy in XX/XX/XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There are dozens of transactions completed on my account performed in XXXX varying in amounts from XXXX cents to {$9.00}. I contacted Wells Fargo as soon as I noticed the fraudulent transactions I contacted Wells Fargo via email, and asked my sister to contact them via phone, giving her the necessary account information. However, neither solution worked to incite action on behalf of Wells Fargo to address the fraudulent transactions. The responded to my message in the secure message center of their website stating, " For your protection, the transaction was declined by our Fraud Detection department. They need to speak with you to verify transactions. To reach us toll-free from outside the United States, please visit wellsfargo.com/help/international-access-codes for the International Access Code list and calling instructions. '' As I explained to them in my first message I am in a remote village in XXXX with little access to calling, especially for international numbers. Despite this difficulty, I still spent great effort to find a phone and risked great financial expense to call the number on their website designated for XXXX. All three of the numbers are not available. 
This is gross negligence on the part of Wells Fargo in securing my finances, which I have had an account with them since XXXX. I was shocked when I checked my account to see these transactions dating back to XX/XX/XXXX with no notification on their part to dozens of suspicious transactions occurring in XXXX, when I have set no travel advisory for XXXX. As a large financial institution with several layers of software security I am flummoxed as to how my account information got into the hands of someone in XXXX, as I am quite vigilant in not clicking suspicious links and keeping my passwords and card numbers secure. I am also extremely disappointed that after reporting fraud, they took no action and fraudulent transactions are continuing to occur on my account and as I have no way to phone them from XXXX, it is impossible for me to stop these transactions from occurring. Not only that, but I have noticed that though Wells Fargo representatives have stated they can take no actions until their fraud department speaks with me over the phone, several of the fraudulent transaction have disappeared from the account summary, demonstrating that something very suspicious is going on. I don't want to imply that the fraudulent activity is perhaps aided by Wells Fargo employees, but I'm glad I took pictures of the accounts last night, for evidence that some of the transactions have just disappeared even as WF has said they can take no action.

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attempted several times to have a judgement removed from my business credit profile. I have sent the signed stamped satisfaction lien to Experian business and they are falsely responding that they can not verify the information. then they require that nothing is disputable unless your PURCHASE a report from them. I subscribe to XXXX and XXXX XXXX XXXX and I receive my experian report yet they refuse to accept and have made me pay {$39.00} twice just to dispute my information. i feel that they deliberately report inaccurate information so that consumers like my small business is forced to purchase their reports. A consumer should always be able to verify and dispute inaccurate information.

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 2020-04-17 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: LA

Complaint narrative:
ftc violations all XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Hippa violations : Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX   XXXX  Original Creditor XXXX AT XXXX XXXX Status Open Opened Date rted XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks Medical civil violations Account Details Last Reported XX/XX/XXXX Collection Agency XXXX, XXXX Original Creditor XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$470.00} High Balance {$470.00} Remarks --

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I got a loan from XXXX XXXX XXXX in XXXX, PA for XXXX XXXX   almost 13 years ago from Sallie Mae. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my Sallie Mae loan then got taken over by navient in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX   it's open now taken over by XXXX and under my XXXX  report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a single mother of XXXX little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX years old and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17 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: LA

Complaint narrative:
ftc violations all XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

Hippa violations : Last Reported XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX  XXXX  Status Open Opened Date XX/XX/XXXX Closed Date Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX   XXXX XXXX Status Open Opened Date rted XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} XXXX XXXX  civil violations Account Details Last Reported XX/XX/XXXX Collection Agency XXXX, XXXX Original Creditor XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$470.00} High Balance {$470.00} Remarks --

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 2020-04-17 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX using the my Synchrony CareCredit card. After I submitted the order, I was notified about a day later that they can not deliver the machine due to COVID 19 or they could put it together " outside or in the garage. '' There was no option to cancel the order, and I responded back to the inquiry from the delivery company asking for alternatives. I have attempted to call CareCredit/XXXX  4 times and been on hold for hours. I have not accepted this merchandise and can not receive delivery under the conditions that the company is offering ( I live in a 4 story complex and don't have a garage ). I would like this charge reversed in full on my CareCredit charge account and the merchandise returned to XXXX. This is the only workable solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
Its has been nearly 5 months and this company still has NOT provided me proof that this debt belongs to me! I have contacted the credit bureaus, the collection agency, and the creditor providing my identity theft report and police report advising ALL 3 parties that I have been a victim of identity theft. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I HAVE DISPUTED THIS ON 3 DIFFERENT OCCASIONS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Who do I speak to about USAA taking money from my stimulus check over an account dispute that was not properly or legally handled right? The account was closed and I have every right to legally dispute it but now that my stimulus check accidentally went to the CLOSED ACCOUNT Im told its temporary re opened so you can take my money you say I owed. This was a dispute with XXXX that was NEVER LEGALLY PROVEN CORRECTLY. I disputed this with USAA FOR THREE MONTHS ABOUT THEM SAYING I OWED THEM {$300.00} for a lease phone. The phone was paid off after two years with them. I asked them to send me my original signed contract to prove I owed them anything and they did not. This bill was NEVER on my credit report as showing delinquent. I never got to legally dispute it before they took the money out of my usaa account. I disputed it with usaa. They sided with XXXX  with no real proof of my original signed contract and the account was closed. The IRS sent my stimulus money to the closed account and I got a message saying it is temporarily re opening so they can take the money they say I owed. I never got a bill from you saying I owed that. I have every legal right to dispute that with the FDCPA BEFOR YOU TAKE MY STIMULUS CHECK!!!! This is unconstitutional and illegal as a 20 year member I am being mistreated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
When I signed up online for the American Express Blue Cash Everyday card, American Express offered me 0 % interest for 15 months on balance transfers. Thus I transferred a {$5000.00} balance from other credit cards. Now, after the balance transfers have been completed and a 3 % transfer fee has been added to the amount, American Express says that introductory offer was declined. They claim there was a pop-up window during the card application process that let me know the offer was declined. There was no pop-up window on my computer, nor any other notification ( email, letter, etc. ) that would have let me know the offer was declined. If I had known at the time of application, I would not have applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: Rocket Mortgage, LLC
State: IL

Complaint narrative:
The late fee charged by Quicken loan When 3 payments have been send and then returned to my bank by the merchant to XXXX XXXX. 
payments send : XXXX-FOR {$850.00} RETURNED TO THE BANK XX/XX/XXXX by the merchant, Again ON XX/XX/XXXX for XXXX check forwarded to quicken loan Returned to bank XX/XX/XXXX ON XXXX SEND XXXX Returned to bank XXXX pay description from transaction history explains this, but I still got a late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$4800.00} OpenedXX/XX/XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a

Company response to consumer: Closed with explanation