vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: FL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank is the issuer of my Sam 's Club credit card and they will not settle a dispute with a merchant. The merchant set-up two appointments for massage but failed to appear at either appointment. I requested a refund of {$150.00} for 3 pre-paid massages, and she has stated in emails that she will, and did refund my {$150.00} ; however, the credit has yet to appear on my account on the computer website for Synchrony bank.

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 2021-04-29 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: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-04-29 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX and Experian have been reporting inaccurate information and under the fair reporting act this account needs to be deleted from my report. I printed a side by side Bureau from XXXX XXXX and Experian and they all have differces. My rights have been violated and I plan to file with the states attorney and than with the XXXX XXXX XXXX if this account isnt removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There's 2 accounts on my report showing a violation. The statute of limitations has expired. Listed below are the accounts XXXX/XXXX XXXX OPEN DATE XX/XX/2012 {$2400.00} XXXX/XXXX  XXXX OPEN DATE XX/XX/2012 {$2900.00}

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 explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
COMPLAINT ID XXXX This is a partial continuation of the above complaint against BBVA. My main concern is that no one at the bank is able to provide any help or clarity regarding my ongoing issue ( s ). I had a representative from BBVA reach out after XXXX, ( who is my case manager for complaint XXXX of CFPB ) got a hold of them for my first complaint regarding the bank error missed payment fiasco. This BBVA representative told me the check would be mailed as it was the banks error, and that portion of my complaint was resolved. This BBVA representative also informed me that because my card accounts ( both of my credit cards ) were closed due to this bank error that she would assist in reopening my card accounts. I received a letter in the mail dated XX/XX/2021 that effective immediate my credit card accounts would be reopened ( I have attached this letter ). However one of my card accounts is still " closed '' and the other is still " blocked ''. 

I have called BBVA everyday since receiving the letter and all departments and all representatives tell me they have NO IDEA what is going and they are unable to help me. They transfer me to general help, fraud department, and recovery departments. None of these people know what's going on with my accounts and therefore can not reinstate/reactivate/ or mail me new cards. I have attached screenshots of my phone calls with the banks and the long hours I have spent dealing with their representatives that can not and do not help me. 

The initial bank representative that reached out to me gave me a call back number of : XXXX but no one answers in calling back and I do not have a representative 's email or case manager. 

All I want to do is be able to use the credit cards that I opened, their numbers are as follows : XXXX & XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Basically after a brief search of my credit history yielded no current history since roughly 2012. I reached out to all 3 credit card reporting agency 's, they said that my creditors were not reporting my status? Finding that odd since I have been with the same financial institute for years. I asked them and they have been, they also submitted a dispute with all 3 agency 's. The result was determined because I only have one name these agency 's were and are not reporting my history.

I called all 3 explaining what my legal name is. After several attempts they finally said send a letter with proof of ssn, and drivers license. Which I did and then waited several days. I received from XXXX  2 documents of the same content with different dates showing no corrections.

I then started to call all 3 agency 's only to find that even though XXXX  said they received the letter they weren't reporting? For what reason I could not understand. My call was routed outside of the US to XXXX I believe, I am not sure why my credit history and or reporting is done outside the US. 
I did not feel comfortable as I had given out enough personal information and still they are not reporting my history. I am a XXXX old man and a XXXX XXXX with no credit history?? These 3 agency 's I assume because of my name are not reporting or making public my credit history????????????????

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 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
We received a forbearance on our mortgage starting in XXXX XXXX due to Covid. Near the end of the forbearance period, we requested a deferral of our forbearance amounts. We received a letter ( dated XX/XX/XXXX ) detailing our Payment Deferral Agreement - that our deferral was approved and that all of the forbearance payments and escrow were being added to the end of our loan. We made the next payment for XX/XX/XXXX over the phone and received a confirmation number. We had called them because we received a letter dated XX/XX/XXXX that stated that we were past due and that our mortgage could be sent to foreclosure. The representative told us to ignore the letter and she assured us that the deferral agreement was in effect and we could pay our regular mortgage payments going forward ( that's when we paid the XXXX payment ). Then we received a statement dated XX/XX/XXXX that said we were past due on all the forbearance payments and that they reversed our XXXX payment, and that our mortgage could soon go into foreclosure! We called and tried to get this corrected, but they weren't able to resolve it on the phone and still have not resolved it, to our knowledge. I emailed them with all of the information ( including a copy of the Payment Deferral Agreement ). This is a longstanding issue with AmeriHome. We have had to call them MANY times during this process and have been told one thing on the phone, and then received correspondence to the contrary. This has taken up lots of our time and caused us much aggravation. I consider it harassment, at this point!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

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 2021-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Bank employees including the manager have talked my elderly parents into opening multiple IRA accounts and are taking their annuities payments. All of a sudden they now have a " Financial advisor '' who makes commissions off their accounts, but my parents have no understanding about what is happening with their money, this financial advisor is only concerned with his cut and my mom and dad have nothing.. This is taking advantage of elderly people! How is this allowed? This bank has basically bullied my parents into opening unnecessary accounts and is now taking their money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: IL

Complaint narrative:
On numerous occasions Experian did not do a thorough investigation and refused to and disregard my disputes and demands to take XXXX XXXX XXXX XXXX and XXXX XXXX off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.

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 2021-04-29 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: UT

Complaint narrative:
Comenity bank/ Victoria 's Secret is reporting a late on my credit file for year of XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.

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 2021-04-29 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: UT

Complaint narrative:
I have been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: CA

Complaint narrative:
i went into XXXX to access my credit report online. I received an error message from both XXXX  and Equifax indicating that they could not issue my credit report online. I entered my information correctly for both agencies on XXXX. Both agencies have not given me any answers as to why I'm unable to access my credit report online. Both agencies have not given me any solutions to help me access my credit report online from XXXX. I have not been given any solutions from XXXX as to how to rectify the situation to help me access my credit report online at XXXX. I am not interested in receiving a paper version of my credit report. I am entitled to access my credit report online from annualcredit.com and by law and XXXX, Equifax and XXXX are violating the law by not allowing me to access my credit report online from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is reporting a late on my credit file for the month of XX/XX/XXXX, XX/XX/XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.

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 2021-04-29 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: WA

Complaint narrative:
I filed a dispute on a charge in my PayPal, during that time, another one of my accounts on PayPal was compromised. I attempted to cancel my PayPal account or remove my banks, credit cards and debit cards, and they will not allow me to do so. I just want the account closed, and my accounts protected. They would not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: MI

Complaint narrative:
On XX/XX/2021, I requested a validation of debt and Hipaa authorization from Alliance collection agency to which they responded on XX/XX/2021 with a very detailed bill outlining ALL of my medical information. They did not provide me a HIPAA release with my signature authorizing XXXX XXXX Hospital to release my information to them. I contacted Alliance Collection Agency on XX/XX/2021 to ask if they had a copy of my HIPAA release, because it was not included in their correspondence on XX/XX/XXXX, to which they responded that they did not. The information that they did provide me with was a direct violation of my HIPAA rights. These items need to be removed from my credit report for violation. The amounts that they state I owe are, {$1500.00} and {$380.00}. Thank you for you help in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections and XXXX XXXX are both reporting a debt on my credit file and it must be fixed immediately. I recently took a look at my credit and noticed that both Bonneville Collections and XXXX XXXX were reporting the same debt. This is a clear violation under the FCRA. If this is not resolved within a timely manner I will have no other option but to consult with the Attorney General and consult for legal suite . They are both in violation and this must be fixed.

Company response to consumer: Closed with explanation