vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Hello all, After several attempts to get information about the price increase for services, he was refused and tried to close his account, explaining that he found another company that provides the same service for a lower fee. The company XXXX XXXX XXXX refused to provide services at the previous rates and despite the fact that I have been their customer for several years, they decided to increase the rates, explaining it as an increase in prices. I refused and asked to cancel my account because I had already canceled the company, but as it turned out later, they did not cancel my account and tried to bargain so that I continue to remain their client. I explained that it was too late and I changed insurance services. XXXX after some time I received information that my account was not canceled and I have a debt I changed the terms and settings in my profile. I asked for confirmation of these words and explained that the monopoly does not work here and I do not understand where my debt comes from. I also had to call again and request that my account be canceled again. I did not receive an explanation of who and why did not close my account, why the terms were changed, and who and what changed the settings in my account. It looks like the company is trying to get the customer back and when they can't, they pressure and force them to pay additional fees please help Thank You

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: SC

Complaint narrative:
XXXX XXXX XXXX closed my account and reported it to the credit bureaus as settled. This lowered my credit score significantly. 

I contacted XXXX XXXX  and was told the account was closed due to XXXX missed payments. I have not missed payments. My account, which was open for years, had monthly scheduled automatic ACH payments through my bank account. My account details did not change and funds were available. My bank ran a report of my account activity. The report verified that I had XXXX overdrafts or returned payments. The report also confirmed that XXXX XXXX did not present my scheduled ACH for payment during the months in question. 

I provided this information to XXXX XXXX. They reinstated my account without my permission, now there is derogatory reporting due to the combination of the settled account and new account reporting errors. 

The final issue is that XXXX XXXX has not resolved the reason my automatic draft was not presented for payment. They have directed me to resolve this matter with XXXX Customer Support. XXXX Customer Support could not resolve and deferred back to XXXX XXXX. I am without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CA

Complaint narrative:
Ive tried several times disputing an account with Experian, a Bankruptcy that is being reported incorrectly. Lastly disputed this account in XXXX per Experians notification this account was verified via a third party vendor XXXX. Please see attached letter from XXXX, there is no bankruptcy being reported please delete and removed this information from my credit report as it is an incorrect representation of me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I continue to request validation of this account and I have yet to receive it. 
Where is the original account with my signature so I can view it for myself?? 
This is hearsay and validation has not been provided. 

As I looked further, the " estimated month and year this item will be removed '' date is inconsistent across all three major credit reporting agencies. The information should be the same. This alleged account should be removed immediately due to inconsistent reporting and what seems to be considered re-aging the account. 
Cavalry Portfolio services has not validated this alleged account and can not continue to report inconsistent information.

I also see that different contact info is shown. If I wanted to contact Cavalry Portfolio Services, I would not know which address to send my dispute to.

I am submitting exhibits to show that Cavalry Portfolio services did not report consistently and appears to re-age this alleged account.

I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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:
XX/XX/XXXX Equifax removed XXXX XXXX # XXXX from my credit report due to a dispute I filed proving I am not the owner of this account. This account belongs to someone with a totally different middle and last name. I provided sufficient identicication proof that the XXXX XXXX account is a mistake due to credit file merging. 

on XX/XX/XXXX XXXX XXXX # XXXX was added back to my Equifax credit report along with the name of the owner of the account in question. 

Proof of Equifax Dispute and Police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
ACCORDING TO THE CURRENT FEDERAL CONSUMER ACT, 15 USC 6802 ( 1 ) ( A ) ( B ) ( C ), I DEMAND R & B CORPROATION/ CREDIT CONTROL CORPORATION UNDER FEDERAL LAW AND US CONGRESS TO REMOVE ALL ILLEGAL, FRAUDULENT REPORTING TO MY CONSUMER REPORT AND I DEMAND R & B CORPORATION/ CONTROL CORPORATION TO ACT IMMEDIATELY OR YOU WILL BE SUED IN A COURT OF LAW FOR VIOLATING MY FEDERAL CONSUMER RIGHTS ALSO, ACCORDING TO R & B CORPORATION/ CREDIT CONTROL CORPROATION CONSUMER # XXXX XXXXXXXX R & B CORPORATION / CREDIT CONTROL CORPORATION IS NOT LEGALLY ABLE TO COLLECT DEBT IN THE STATE OF VIRGINIA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$730.00}.

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 2023-02-09 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: CA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo gave me a high interest rate

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 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing was my mortgage company. My loan/house is paid in full XX/XX/XXXX. 
I submitted an insurance check that was payee to myself/SelectPortfolio for endorsement XX/XX/XXXX. I never endorsed the check. Select Portfolio said they destroyed the check XX/XX/XXXX. The insurance company has proof SelectPortfolio cashed the check XX/XX/XXXX for XXXX. I have an insurance fraud investitgation open since XX/XX/XXXX. 
Select Portfolio stole XXXX from me and will not respond/resolve the matter for over 1 year. 
I have also incurred XXXX additional costs for borrowing, notaries, travel, interest, closing cost on money borrowed for construction in lieu of the XXXX check Select portfolio cashed and stole from me.

I have tried over 100 times speaking to Select Portfolio to resolve this, yet they continue to do nothing.

I want to file criminal charges as well for Grand Larceny, embezzlement, wire fraud and any other applicable statute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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:
I have been working with EQUIFAX since XXXX of XXXX, it is now XXXX XXXX and my identify theft concerns have still not been addressed/deleted. I have sent over my police report, my FTC report, my personal statement, full SSN card with all corners reflecting, utility bill, Photo ID & etc. I am a victim of identify theft and EQUIFAX keeps choosing to look the other way and not help me. EQUIFAX opened my dispute again XX/XX/XXXX and closed it right back up XX/XX/XXXX Confirmation number : XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expedite. I have spent over {$300.00} in the past year of mailing to them the same documents they are requesting. I am tired of going through this process and EQUIFAX wants to keep playing games with victims of identify theft. It should not take me XXXX days to get identify theft removed from my report. There are several factors including XXXX DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. EQUIFAX is holding me back from living my life, liberty and pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing this report on behalf of XXXX XXXX XXXX as evidence to justify a full and independent audit of our account. 

I happened to notice some evidence that I could send to the CFPB ( Consumer Financial Protection Bureau ) to support that our account is being monkeyed around with and this has been going on for some years. 

XX/XX/2023 Transaction ID XXXX " GENERAL BONUS '' I have absolutely NO IDEA what a general bonus is and we check the balance daily we have never noticed money from nowhere show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NJ

Complaint narrative:
Agent named XXXX called me XXXX XXXX today after XXXX hour wait!!!!! He shut off my card to be dirty. LOCKED ME OUT OF MY ACCOUNT! This is regards to current complaint for XXXX $ charge. THIS IS APPAULING! I WONT BE TREATED BY A XXXX OVER HERE IN TEXAS FROM XXXX!!!! DIRECT EXPRESS CALLED ME PER CONSUMER PROTECTION AGENCY WHO WAS ALSO ABUSIVE ALSO!!!! UNLOCK MY ACCOUNT!!!!!! NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CA

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX you received a message from Bank of America confirming that a temporary credit had been issued to my account for {$990.00}. This was a result of a fraudulent dispute filed on XX/XX/XXXX in my account against a previous rent payment in my account stating my landlord overcharged me.I also discovered my debit card was missing on same day, XX/XX/XXXX. Once the temporary credit was available, it was used at XXXX to make purchases equaling almost {$900.00}. these purchases were made with my missing debit card. I did not file this dispute or authorize anyone to do so. Also, on XX/XX/XXXX, two mobile check deposits were made into my account. these deposits and the checks were fraudulent and were not made by me. Once the funds were available, these were used to make fraudulent unauthorized purchases at XXXX, using same debit card .I notified your bank immediately and once all the transactions were posted and reversed, the fees that occurred from items being returned due to insufficient balances resulted in my account with a negative balance around - {$1900.00}. Bank of America is refusing to reimburse me for these unauthorized transactions and bank account takeover. I have filed Identity Theft reports with the FTC, XXXX and have filed a Police report. I have provided said reports to Bank of America. Under XXXX XXXX i am not responsible for unauthorized transactions.

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 2023-02-09 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: CA

Complaint narrative:
In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX. Balance : - XXXX XXXX XXXX  XXXX .... Balance : - US BKPT CT CA XXXX XXXX Identification number XXXX XXXX filed XX/XX/XXXX Status XXXX  XXXX bankruptcy discharged.

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 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I received {$40.00} and cant access it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX I have submitted all required documents to Wells Fargo numerous times. The issue continues to be unresolved by you. Why? I am requesting my XXXX XXXX Wells Fargo XXXX. XXXX ( XXXX XXXX ) ORDERED Court settlement check. 
I have XXXX and your harassment is illegal towards me. 
Stop harassing me! Stop!!

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 2023-02-09 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: Colony Brands, Inc.
State: CT

Complaint narrative:
made a payment to Montgomery ward was suppose to remove from all credit agencies. never did before they went out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I can not get transunion to fix my credit account so that i can access my credit report /scores ... .I have been trying to get the issue fixed for 10 years now ... and it has caused/costed me more times than i can count i get the same response from them year after year [ WE HAVE FORWARDED YOUR ISSUE TO A DEPARTMENT THAT CAN HANDLE YOUR SITUATION AND THAT IT WILL TAKE 3 TO 5 DAYS FOR THAT DEPARTMENT TO FIX IT ] and guess what it never gets fixed ... .no company nor i can access my credit report i get denied ... XXXX wish that someone could help me figure it out ... .i really think transunion should pay me for all the years i have not been able to get services because of their faults.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX a checking account was opened fraudulently in my name with Bank of America. This is the second time a fraudulent account has been opening in my name with Bank of America. The first time occurred in XXXX of XXXX. This recent account was opened with the same old address and same old email associated with me as the first account. I took every measure possible to prevent this second attempt from occurring : locked my credit reports, froze my information with XXXX, filled a complaint with the FTC, starting paying for identity theft monitoring, closed down my social media accounts, deleted old unused email addresses : absolutely everything I could think of that was allowing someone access to my information. When this occurred in XXXX of XXXX, Bank of America assured me over and over that an alert had been placed on my information and that any further applications with that information would be flagged for further review. Then comes XX/XX/XXXX. I get an email saying another account has been opened in my name! The perpetrators used the same old email and the same old address as the first time! How is this possible? How can Bank of America allow this to happen again with the exact same information and under the exact same circumstances? How was an account approved with my SSN when everything tied to my SSN is locked? Credit reports are locked and information with XXXX is locked, so how are bank accounts still able to be approved? It is absolutely mind-boggling. Today, XX/XX/XXXX, I spent hours on the phone with Bank of America and was passed from one department to the next, none of which took responsibility for the allowing of the account opening despite the flags placed on my information and the fact that they have on file that I am a victim of identity theft. No one could give me a straight answer for how this was able to happen to me again! And there was honestly no resolution provided that will prevent this from happening to me again with their institution. They closed the account, filed a claim and a complaint, and that was it. I have no idea what to do, but it sure seems that Bank of America could care less about these continued fraudulent accounts, and it sounds like it's just something that I have to personally stay on top of, which is a complete shame. Bank of America should have a system that shuts this fraudulent activity down, especially considering they have a logged history of exactly which information is being used to open these fraudulent accounts. I'm at a loss for what to do to stop this in the future.

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