vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
The phone company XXXX had agreed to close the account due to a family member that was over the line that passed. The account was closed and I was contacted by a debt collector. I then resolved the debt with them and another debt collector got hold of the XXXX bill and now I have XXXX of the same debts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
to get this corrected since XX/XX/2021. I have called 18 times and provided documents and they still have not resolved the issue. They are charging additional taxes and they have the current tax bill which reflects the correct and current tax amount. They are refusing to get the tax disbursement correct. this is reflecting an escrow shortage on my account. I do not have an escrow shortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
A mistake with a transfer placed automatic restrictions on the account. An email directed me to call customer service to address the problem. But the problem, which was pretty simple, required conversations with XXXX different employees and the phone call lasted nearly XXXX hours ( XXXX hour and XXXX minutes ), the vast majority of which was spent waiting on hold. The underlying problem itself was ultimately resolved. But I have never called Citizens Bank customer service and not been told there is an unusually high call volume and to expect a long wait time. ( The audio message said to expect 20+ minutes. ) It is excessively burdensome to expect customers to have to spend XXXX hours on hold in order to resolve simple problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate.

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 2021-12-03 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: PA

Complaint narrative:
I was told during the loan application process there was no interest charge for 6 months. I am presently being charged 169 % interest on my loan. The company is insisting they did not lie and these are just finance charges. The company is using the term interchangeably with interest in order to trick consumer into astronomical interest rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/2021, I, XXXX XXXX, had a total of {$1900.00} into my chime account in which I could not get into. I called chime customer service and ask why my account was lock and they said that someone is tampering in my account and if I wanted back open then I will have to show proof in which I did on XX/XX/2021. I tried to get into my account but would not let me in but notice that my money was taken from my in which has shown on my notification popup on my phone. 
All but {$34.00} has been taken out of my account. I sent all my details on who has entered into my account in which I finally was able to get into my account on XX/XX/2021 in which I had to show them the second time my proof of identity on XX/XX/2021. I have been dealing with chime up until now in which they have locked my account on XX/XX/2021 and they haven't said nothing about my money being refunded nor they haven't open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX called Portfolio Recover Associate to pay {$950.00}. I asked representative if they can send me copy of a report specify where these charges come from late fees Service charge and the representative Informed me its been a very long time for this account to be opened like this and I shouldnt be asking any type of questions I should just be paying for this and they were going to be taking me to court and that they were going to send somebody to arrest me and garnishing my Social Security benefits. 
This account is duplicate on the credit report. 
Representative said it doesnt matter you have to pay that for taking too long. 

For Portfolio The same situation they also said that they would be taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A forged check number XXXX on XX/XX/2021 in the amount of {$6200.00} - with forged signature of non authorized signatory and forged check that looks nothing like the checks being used or used by account holder. The TD XXXX XXXX XXXX said they will not return funds for forged check. I was also in contact with branch manager who escalated the issue and TD bank said they will not return funds for fraudulent non authorized transaction. If TD bank does not verify signatory or checks issued what is the point of providing a signatory at account opening when no one verifies fraud on accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm not really swayed that you have suitably pleased the rules of the Fair Credit Reporting Act in carrying out your study. My studies have shown me that below Section 1681 ( g ) it is important to allow me with an outline with the method utilized to prove that this account is set in collections and email me the name and addresses of persons contacted for each rule perfectly located at the FCRA.

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 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, and it is also reporting a credit limit ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be... the reporting on this account is totally inaccurate, not compliant and not reporting factually

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 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I paid the debt off through the settlement of the company that currently has the debt.. XXXX XXXX XXXX. XXXX XXXX XXXX in fact sent me a letter stating the debt was paid in full on XXXX XXXX however, XXXX, XXXX and XXXX continue to share the erroneous debt and amount on my credit report. I have repeatedly disputed the debt and called numerous times and it still appears as a outstanding debt affecting my credit and score. I have spoken to Barclays Bank XXXX Delaware, XXXX XXXX and XXXX please assist.

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 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inacurrate and fraudulent accounts reported from my 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 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IN

Complaint narrative:
This is a complaint against cmre financial services and XXXX XXXX XXXX 


On XX/XX/XXXX I was contacted by XXXX XXXX XXXX to attempt to collect a debt. I explained I was never treated by them and they could not find any record of me having been to any of their facilities. I asked not to be contacted again with regard to the matter. 

On XX/XX/XXXX XXXX XXXX I began to receive junk calls that my call filter would filter XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX On XX/XX/XXXX the flagged call left a voicemail about the debt of someone names XXXX XX/XX/XXXX XXXX XXXX  another call no message XX/XX/XXXX XXXXXXXX XXXX another call no message XX/XX/XXXX XXXXXXXX XXXX  another call no message and XX/XX/XXXX 2 back to back calls XXXX XX/XX/XXXX another call XXXX XXXX with another message about XXXX XX/XX/XXXX 2 calls 1 at XXXX and another at XXXX XXXX leaving another message XX/XX/XXXX another call and message left XX/XX/XXXX another call and message left XX/XX/XXXX another call and message XX/XX/XXXX another call and message XX/XX/XXXX 2 calls 1 at XXXX the other at XXXX XXXX XX/XX/XXXX another call and message XX/XX/XXXX another call and message XX/XX/XXXX 2 calls and 2 messages XX/XX/XXXX another call XX/XX/XXXX another call and a message On the XXXX message I was able to get a name and find a number and call the company. They were rude. I am not happy about this, I tried to stop this from the beginning. This company made a choice to pursue this type way of making money and they clearly don't have a clue what they are doing as this is illegal and I want compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inacurrate and fraudulent accounts reported from my 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 2021-12-03 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: AFNI INC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is very alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX around XXXX at the laundromat I miss-placed my cell phone which had my Wells Fargo debit card attached to it in the wallet case of my phone. I went back looking for it on XX/XX/XXXX at where I believe I miss-placed it at to see if I could find it. On the same day XX/XX/XXXX I received a fraud alert email from Wells Fargo saying they " detected some unusual account activity on my account ''. I immediately contact Wells Fargo on XX/XX/XXXX in regards to the charges as the last time I had my card was XX/XX/XXXX. There were 6 unauthorized transactions made in a different city from me totaling {$1100.00} on XX/XX/XXXX. I immediately asked the Wells Fargo representative to deactivate the card and disable my apple wallet to avoid further purchases as I believe the person was using my phone as well. I asked Wells Fargo is there anything else I should do like filing a police report. The Wells Fargo representative transferred me to fraud department where they said it would be investigated and I should hear back in 2 weeks and that my new debit card would arrive in the mail. 2 weeks pass by and now on XX/XX/XXXX I received a notice that Wells Fargo completed it's investigation and isn't reimbursing my account for the unauthorized transactions that I did not make. I have been a customer of Wells Fargo since XXXX and am appalled by this lack of resolution.

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 2021-12-03 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is very alarming.

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 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MA

Complaint narrative:
I applied for a refinance mortgage with XXXX XXXX ( XXXX of XXXX ) on XXXX, XX/XX/XXXX. At the time, they immediately charged my account for an appraisal. It was {$550.00}. XXXX XX/XX/XXXX, I sent an email to XXXX XXXX requesting that he cancel the appraisal as well as the loan application. Apparently the appraisal was not cancelled as I received a phone call on XX/XX/XXXX from the appraiser stating that he was at my house. I explained that the appraisal should have been cancelled by XXXX XXXX. The appraisal was not done. I have requested a refund on three occasions from XXXX XXXX and have not received any communications from them. Please see emails below. XXXX stated that she is not the right person to contact however, she had forwarded my email to the correct person. I would like a refund of {$550.00}. 

XXXX XXXX XXXX, Are you the right person to ask about the refund for the appraisal that did not take place? 

On XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX wrote : Good Afternoon XXXX, could you please tell me when my funds that you collected for an appraisal will be returned to me? Thank you On XXXX  XX/XX/2021, XXXX XXXX XXXX XXXX XXXX wrote : Good Morning XXXX, I have devised to go a different route. I asked XXXX to cancel my appraisal ; could you please have the {$550.00} fee refunded. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. This was transferred to another lender so why is it acquiring late fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inacurrate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: NC

Complaint narrative:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, XXXX, and XXXX XXXX, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation