vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: First Financial of Columbia, Inc
State: SC

Complaint narrative:
Account for first financial corp open date XX/XX/XXXX has been in collections on account since. Came off credit report XX/XX/XXXX. It was re-reported XX/XX/XXXX. As an account saying paying under partial agreement. There was never an agreement made to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Westlake Services, LLC
State: TX

Complaint narrative:
This is a formal complaint against Westlake Financial Services located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Westlake Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have an account with New York & Company/ Comenity Bank . I was on a payment plan from XXXX. I wasn't properly notified by via mail or email that my normal payments would resume. When I spoke with the customer service representative she informed me that I wasn't eligible for another payment plan to keep my account active and current. I keep getting calls from private numbers from them, rude customer service representatives when I speak with them. I called on XX/XX/XXXX and was questioning charges on my account that I didn't make. XXXX representative did in fact confirm that my last physical charge I made was on XX/XX/XXXX. When the current billing statement for bill due date on XX/XX/XXXX says : Purchases prior to : XX/XX/XXXX {$390.00} XXXX 25 % XXXX XXXX {$8.00}. Purchases prior to : XX/XX/XXXX {$46.00} XXXX 25 % XXXX XXXX {$1.00}. Purchases 25.9900 % {$79.00} with no date. I was referred back to customer support who I initially contacted stated that they do not have the ability to look that far back on my account to explain what said purchases for that amount was actually made for me to pay a total of {$550.00} with a credit limit of {$450.00}. Once I was making timely payments during the pandemic, I didn't see a significant change in my balance dropping. I did let the customer service rep know that I will not be making any payments on this account due to incorrect reporting of charges when it was confirmed that the last use for a purchase on this card was on XX/XX/XXXX for {$15.00}. So, where did these hundreds of dollars come from. When I get an explanation of those said charges I will be more than happy to make a payment. I will not continue to allow this corporation to put fraudulent charges on my account when I didn't make them. I haven't used this card in 2 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Addition to complaint XXXX On XX/XX/XXXX, I transferred {$99000.00} to my Truist Bank Mortgage from my Truist Bank Checking . Additionally, I transferred {$12000.00} from the same checking account to my mortgage. 

Per multiple chats, it appears that Truist Bank is sending me a check via UPS for the {$99000.00} rather than applying it to my mortgage. This violation of the mortgage contract is the absolute opposite of the normal borrower default of the contract. In this case, it is the lender that has defaulted on the contract. There is NO PREPAYMENT PENALTY on this loan and my payment should have been accepted. As it was not, Truist bank is in default of our mortgage agreement. 

Why did Truist accept a {$12000.00} payment and not a {$99000.00} payment? Both were valid transfers and from an approved source ( Truist Checking account ) ( Follow-up on the prior message : XXXX in the XXXX XXXX XXXX XXXX SC XXXX has not followed up as stated in our XX/XX/XXXX conversation. ) Again, Truist has violated the terms of the mortgage.

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 2022-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
In XX/XX/2021 we successfully completed our mortgage modification trial period proposed by Wells Fargo. Prior to making our final payment during the terms of the trial period we contacted Wells Fargo daily and were unable to connect with our representative by phone or email. We waited on hold for hours, were disconnected when being transferred, and when we spoke to other representatives we were told that our modification was still being processed. 

In the following nearly XXXX months since the completion of the mortgage modification trial period we have continued to make payments faithfully. We have also continued to try to get in touch with Wells Fargo only to find ourselves back in hold, having our point person changes several times, being transferred to representatives that sincerely seemed as puzzled as we are about why the modification has not been completed. 

At this point we reached out to an advocate to help us resolve the modification and move on to a more sustainable management of our mortgage with Wells Fargo going forward. Wed like the modification to be completed. 

In addition to this delay, our payments are not being fully applied as less than the prior amount, & therefore accruing additional interest inappropriately and continuing to cause damage to our credit. 

Sincerely, 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 2022-03-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.

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 2022-03-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
I went to the store the night of XX/XX/2022 around XXXX and bought something from the gas station and to fill my tank up the next morning I realized my card was gone and money was being wiped off my account day by day i dont know who stole my card but they knew my pin code automatically these skimmers have been found at a lot of stores and atms so I finally contacted the bank to file a dispute and they barely gave me updates and they denied what I said so I dont know what Im going to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: MI

Complaint narrative:
I have sent two dispute letters to Transunion and they have failed to provide me with proper documentation or a description of the procedure used to determined the accuracy and completeness of the information in question. Transunion failed to provide me this information and I feel they never even tried to contact any of the accounts I presented.

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 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I accordance with the Fair Credit Reporting act XXXX  Account XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-28 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:
I accordance with the Fair Credit Reporting act XXXX Account XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allegiant Capital Recovery LLC
State: WA

Complaint narrative:
Allegiant Capital Recovery calls me day and night - and while I am at work- and leaves voicemails for someone named XXXX XXXX. I am not XXXX XXXX. I do not know who that is. I got this number from XXXX. I have requested in writing on their website ( that I was only able to get by XXXX  the phone number they left ) for them to please stop and that they have the wrong person. They won't stop. They leave threatening vague voicemails that do not even identify their company. How is that legal? Why won't they stop? There doesn't seem to be anything I can do to make it go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-28 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: LEXISNEXIS
State: MI

Complaint narrative:
I have written countless letters and called XXXX XXXX number for assistance, to no avail I haven't received a call back or a letter, only one from Lexis Nexis Risk Solutions LLC, requesting my information, which I sent in a copies of my Driver License, and Social Security card. I also sent certified letters too. I requested to have my accts freeze and copies of my data sent directly to me, because its outdated and incorrect information. Each of the companies neglected my request and hasn't responded to certified mail or call ins. 
XXXX XXXX DL # XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They have been told they have the wrong number, that I have never heard of not know anyone named XXXX & to stop calling me but I receive 1-3 calls a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint is in regards to an over correction/charge that CITICARD XXXX inexplicably placed on my account on XX/XX/XXXX of XXXX and still HAS NOT REVERSED FROM MY ACCOUNT AFTER OVER TWO MONTHS of my speaking to various representatives. They are almost never the same ones that either claim to escalate the matter or a credit will be issued that hasnt been done to date. 

This is basically what happened : I placed a dispute with Citicard XXXX XXXX in regards to a Best Buy charge of XXXX and Citicard issued a conditional credit of XXXX on XX/XX/XXXX. Then on XX/XX/XXXX after Best Buy issued a credit and partial credit on some charges, Citicard reversed the conditional credit on XX/XX/XXXX, XXXX Best Buy had issued a full credit and partial credit which meant their initial charge was the appropriate remaining balance and Citibank reinstated the initial disputed charge of XXXX. Thus on XX/XX/XXXX, I closed the dispute online as after reviewing my online statement the charges were correct. 

BUT ON XX/XX/XXXX and after the XX/XX/XXXX statement close, CITICARD placed another Correction charge on my account of XXXX. This is an extra unauthorized charge placed by Citicard not Best Buy and I could not dispute the Citicard placed charge online. In the following days, months, Ive spoken to numerous representatives @ XXXX to get the extra correction taken off my account to no avail and I sent the dispute department a certified letter which they received an XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX about the issue, the following day, XX/XX/XXXX, I spoke with XXXX on live chat following up, XXXX or XXXX? on XX/XX/XXXX, XXXX on XX/XX/XXXX, on XX/XX/XXXX, XXXX or XXXX said I should check back again in 7-10 days, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX,. On XX/XX/XXXX, XXXX or XXXX promised me Id receive an adjustment on my account within 7 to 10 days which NEVER HAPPENED. XXXX on XX/XX/XXXX gave me the case number XXXX. My latest call was to dispute department supervisor XXXX on XX/XX/XXXX and I demanded to know what the hold up was or I would contact someone in the corporate office. He insisted he would call me the next day, Saturday XX/XX/XXXX, but I received NO PHONE CALL. 

What I expect is a credit correction of XXXX to my Citicard account balance ASAP as PROMISED and a letter of confirmation from Citicard and I want to be able to see the credit appearing on the next credit card statement as completed. 

.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I was approved for XXXX XXXX XXXX card with a limit of {$1000.00}. Approx 5 or 6 months later, they drop my limit to XXXX with no notice. This caused me to have to pay a bunch of fees, because my balance was over the XXXX. After I called I received a letter in the mail saying they reduced my limit because my credit score changed. 
Today, XX/XX/2022 I logged in to pay my XXXX XXXX bill. My limit has been decreased from XXXX to XXXX, when my balance is XXXX. I check my credit score 2 to 3 times a week. I know it has gone up. There is no logical reason to me for this to happen. When. Calling XXXX XXXX/commenity, they have no answers. They say they will transfer my call and I get hung up on 4 times! Four! I am beyond upset at this. This is affecting my credit score. And no one has answers.

Company response to consumer: Closed with explanation