vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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: FL

Complaint narrative:
Re : Request to remove inaccurate information from Credit report On or about XXXX of 2016 I was assessed an annual fee in the amount of XXXX to my XXXX  XXXX Credit card. First, I never told the card had an annual fee when I was solicited to apply. Therefore I didnt expect any charges as I was not using the card. 
I returned from vacation to find a past due notice for the account, as well as a 30-day late notice alert from the credit reporting agency. Knowing that I had been out of the country and hadnt use the card. I immediately called to XXXX XXXX to report this charge as fraud. 
Only then did I learn that an annual fee was assessed to the account and not paid. I explained that I was never told about an annual fee, and I had been out of the country and therefore, unaware and unable to pay any fee at the time of assessment. I requested that the late fee and 30-day late report be removed considering the circumstances. I was told to send in an explanation, and it would be reviewed. So, I did. This was in 2016. 
I was contacted bout 15 days later and told that the late fee and report to the credit bureau would be removed, however I still needed to pay the XXXX annual fee first. So, I paid it over the phone. The XXXX XXXX agent also suggested that they issue me a XXXX annual fee card, to prevent this from happening in the future, so we did that as well. Which I still have now. 
I was told it would take a up to 30 days for the credit items to be corrected on my credit report, but I was assured it would be taken care of. 
Now I see this error is back on my credit file. 

I recently contacted XXXX  XXXX again and they asked me to re-submit my request as the old request was lost. I was just notified that they would not be removing the error from my report because they see it as accurate, although they had agreed to remove it before in 2016 and took my payment. Otherwise, I would have just told them to close the account.

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 2021-04-01 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: GA

Complaint narrative:
Equifax should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this late however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: PA

Complaint narrative:
On XX/XX/21 sent a letter request validation for an alleged debt. It has been more than 45 days and I have yet to received any response from the credit bureaus or the credit card company.

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 2021-04-01 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: PA

Complaint narrative:
On XX/XX/21 sent a letter request validation for an alleged debt. It has been more than 45 days and I have yet to received any response from the credit bureaus or the credit card company.

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 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I contacted TD Bank about refunding the {$70.00} in fees they charged me. Due to the pandemic, it has been hard on me and TD Bank is one of the only banks still ignoring the financial troubles people are going through and taking more money from them anyways. The same day it went negative, I transferred money from my savings from a different bank into TD Bank, but apparently immediately paying them to make it positive again was " too hard on their multi-billion dollar business ''. 

The name of the supervisor who declined to assist during the great recession is named XXXX. The call was made ended at about XXXX Eastern Standard Time on XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am in a lawyer based debt assistance program, XXXX XXXX, phone : XXXX. 

Received call from MACY 'S PHONE : XXXX I already sent letter and called them to notify of XX/XX/XXXXhandling my debt. 

Now receiving calls from MACY 'S ... and should not be.

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 2021-04-01 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: TX

Complaint narrative:
Equifax and XX/XX/XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have had several items deleted from my credit report back on XX/XX/20 on credit report number XXXX. XXXX PLEASE SEE ATTACHED ) Looking at my current report online recently, Experian reinserted 2 of those items back on, that were deleted already. By law, You are required to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification. Per FCRA, your are in violation of the law and are subject to fines if I pursue this in the court of law. Please delete these items immediately as I am in the process of getting a mortgage. The 2 items that were deleted and showing again are XXXX XXXX XXXX for {$720.00} and XXXX XXXX XXXX for {$420.00}. I also want to dispute a fraudulent item XXXX XXXX XXXX for {$120.00}

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 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
XX/XX/2021 2nd CONSUMER COMPLAINT FOR FDCPA VIOLATION I am Consumer and I filed an initial Consumer complaint against Monterey Financial Services ( aka Monterey Collections ) under complaint number XXXX for violating various sections of the FDCPA and The Truth in Lending Act. 
After communicating with Monterey in an attempt at achieving complete resolution to the violations committed against me ( the Consumer XXXX by Monterey, they committed yet another separate violation to the FDCPA. 
On XX/XX/XXXX, XXXXI sent Monterey a letter ( Exhibit 1 ) notifying them that they committed violations of various sections of the FDCPA and The Truth in Lending Act while attempting to collect an alleged consumer debt from me via USPS priority mail ( Exhibit 2 ). 
The letter was received in their office on XX/XX/2021 XXXX Exhibit 3 ) Monterey responded to me on XX/XX/2021 XXXX Exhibit 4 & 5 ) via thus violating the communication directions outlined in the letter attempting to come to a resolution ( Exhibit 1 ) that they received on XX/XX/2021 Montereys violation entailed disregarding my most recent instructions for communicating with me ( the Consumer ). Monterey ignored my request for them ONLY to respond to me via email at XXXX pertaining to this. Any other form of communication was nullified with the last and most recent communications instructions from me ( the Consumer ). Instead Monterey mailed their response to my home address via US Postal Service ( Exhibit 4 & 5 ) despite my instructions to only communicate with me via email. violating the Federal Debt Collections Practices Act 15 U.S. Code 1692 ( c ) and harassing me by disregarding my instructions only to communicate via email violating 15 U.S. Code 1692g

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CA

Complaint narrative:
There are unknown hard inquiries in my Experian credit report. I wroteXX/XX/XXXXto remove these inquiries from my report. They replied that they could not even find them. I am sure they do not belong to me, as no evidence has been sent to me.

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 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
On XX/XX/2021 i received a summons from XXXX XXXX XXXX XXXX Debski & Associates PA XXXX XXXX XXXX XXXX Fl XXXX. 
Docs provided documents. 

I contacted them about file XXXX and requested a Debt Validation. After contacting them several times and them stating they had 30 days to provide information they finally sent out and insufficient validation of this debt on XXXX XXXX. Docs provided as requested. 

After I contacted them in regards to why this was not complete and did not have any contract between us. Mr XXXX at that office began to get frustrated and said if I was stating that they stop collecting that he needed to put me on with an attorney. At that point an attorney by the name of MrXXXX XXXX got on the phone and began to raise his voice at me in a threatening manner and interrupting me before I could finish my request for him to stop his attempt to collect. HE continued to ask me sarcasticaly if this was really not my debt as he kept shouting and acting belligerent. The phone call ended when he stated he was done and if there was nothing else he can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We got in contact with our bank that is with our heloc for the amount of {$27000.00} They sent out a packet for us to fill out and send back On XX/XX/2021 for a modification. Everything was filled out and sent back with all documents required. We were waiting for a response in which the did by phone and said everything was approved. Thinking everything was fine and waiting for details and never heard back from them. I called and left several messages to return our call in XX/XX/2021 and haven't heard anything from them, won't return our call.

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 2021-04-01 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: TX

Complaint narrative:
XX/XX/XXXX and Transunion should not be reporting that I am XXXX 120 XXXX days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
During the covid crisis people can not pay the regular mortgage payments. Fortunately I can pay my mortgage up to now. 
But Wells Fargo deducted the XXXX $ from my mortgage payment on XX/XX/21 saying that I'm not fully covered. 
I called the company about more than a month ago to call my insurance companies together with them and they confirmed that I am fully covered. 
My previous insurance company was the XXXX XXXX and current company is XXXX. They haven't corrected the statement up to now. 
If you could help me out with that. I would be grateful. 
Sincerely , XXXX XXXX XXXX XXXX XXXX

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Report multiple credit inquires that were not recognized and still remain on credit report.

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 2021-04-01 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:
XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX BANKRUPTCY PETITION potentially negative icon Potentially Negative XXXX XXXX XXXX TX XXXX Date XXXX Dispute ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: AZ

Complaint narrative:
I had internet service through XXXX XXXX. I will attached bills showing XXXX for tv service from XXXX - XX/XX/2020. In XX/XX/2020 they sent me a bill for tv service. {$240.00} + XXXX in taxes. I called and said I did not order tv service but they only credited a portion. I disputed the difference of {$130.00} with my credit card company as it was on auto pay. XXXX XXXX gave me a credit. XXXX then charged me a {$25.00} return payment fee and said I still owed them for the tv service that I didn't order and they could not provide a work order or that I had called and ordered tv service. They have since sent this to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX has charged my Navy Federal Credit Union XXXX XXXX credit card account for a monthly XXXX XXXX membership in the amount of {$11.00} in which I didn't subscribe to or have ever used. I have disputed the charges with Navy Federal Credit Union XXXX XXXX since XX/XX/2021 and they have failed to assist. The transaction dates are XX/XX/2021, XX/XX/2021 and XX/XX/2021. I initially thought that it was a charge attached to my sons email address or cell phone number. However, it was not the case. On XX/XX/2021, a friend of mine assisted me in locating a way to find and cancel such membership online at XXXX  and we were successful. Apparently, NFCU failed to at least notify XXXX or XXXX that I was disputing the charges because I kept being charged {$11.00}. I honestly believe that is a very unethical business practice to fail to notify a merchant that a consumer is disputing a charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Voicemail threatening me and to sue me. Recorded. Drive bys past my legal residence. Repeated Vandalism to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
The CFPB provided a XXXX interpreter named " XXXX '' XXXX # XXXX XXXX to help me with this complaint. 

I want to audit my HSBC accounts, before XX/XX/2021, to account for the missing {$1500.00}. 

If HSBC wishes, please speak to me directly through a XXXX interpreter. 

On multiple occasions, HSBC had verified that my son could speak on my behalf. But, HSBC is not keeping their word ; thus, I request HSBC, if it wishes, to send me an HSBCs own Power of Attorney form to my home address. 

XXXX XXXX XXXX and XXXX XXXX XXXX at HSBC had never mentioned that HSBC, like most California banks, had their own Power of Attorney forms. 

REGARDLESS, I was the account holder, and I have every right to examine my XXXX accounts after they are closed ( according to an XXXX representative, after " up to XXXX years '' ). 

In XX/XX/2021, HSBC claimed the remaining balances totaled {$1700.00}. In XX/XX/2021, HSBC claimed the remaining balances now total {$1900.00}. 

According to my calculations so far, the remaining balances should total around {$3300.00}. 

I am aware of the fact that HSBC has made mistakes regarding their customers deposits XXXX documents available ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
I went to XXXX XXXX XXXX and I had to take out a loan for Petes private student loan services for {$16000.00} in almost {$17000.00}. Peaks private student loans and XXXX were sued and were obligated to refund and withdraw all the loans to all of the students who took out loans with them. I have not received any information from peaks private student loans or from XXXX in regards to my loan being dismissed and withdrawn I would like to have that information in writing. Can you please help me with that?

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