vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, consumer, in fact did not consent to, authorize nor benefit from any of the following accounts attached in FTC report. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft. It has been past 4 days since Equifax has received my correspondence and has not deleted the accounts that were identified as identity theft by the consumer. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have contacted Ally as it relates to a consumer credit transaction that took place as the XXXX XXXX on XX/XX/XXXX. 

My, ( the consumer ) initial contact with Ally was with a " billing statement, '' for the alleged debt associated with the consumer credit transaction made between the consumer and XXXX XXXX. 

I have since discovered a billing error. To correct the billing error, I contacted Ally Financial by ways of mail and lawfully requested that Ally Financial Inc. provide documentary evidence of the account, the original agreement bearing my ink signature, as well as other documents. I, the Consumer is not in receipt of these documents.

Following my request for these documents, Ally Financial Inc. sent a notice of default for the alleged debt that was under dispute as of XX/XX/XXXX, ( the date ALLY received my notices ). Ally threatened, myself ( the consumer ) of taking possession the vehicle which is inequitable and impracticable, and act as adverse actions towards the consumer.

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 2022-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filled out an online mortgage application on Truist.com. I uploaded all pertinent docs to include pay stubs, w-2s, large deposit letters, bankruptcy docs. All docs were uploaded successfully. 

A loan officer emailed several days later stating he was working on my " loan approval ''. After having to resubmit most docs that I had already uploaded, he came back with information regarding down payment needed for a conventional loan. I asked if he could look in to the FHA programs as I am a first time homebuyer. He then got confused, asked if I was a veteran, stated a XXXX program was only for veterans. I kindly noted that I was not asking about veteran loans as I knew I did not qualify. 

He then told me, after pulling my credit ( I received alerts via XXXX and other credit monitoring services I am enrolled in ), that I was not eligible for ANY of the programs at Truist, and for me to contact him " on his birthday, XX/XX/2023, to find a program ''. My credit should have never been pulled as I had offered my bankruptcy discharge info on their online application at the very beginning of applying. He was completely unprofessional. I have the entire thread of communication. Now my credit score is reduced, this whole situation could have been avoided at the very start if I didn't qualify for any programs as they had access to ALL OF MY DOCUMENTS and as a loan officer, he should know about his companies products, services and what the eligibility requirements are.

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 2022-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I filed a previous complaint # XXXX ... ..against Comenity Capital Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. I was offered financing from my dentist to pay for a procedure. The dental office told me I could make monthly payments when I was approved ... .no one explained that there would be late fees if I did not pay by the XXXX every month. I called Comenity and told them due to my pay schedule I could not pay the XXXX and asked if they could make it a later date in the month. They refused to it. I have made similar arrangements with other creditors. Every month I make my payment and every month they charge me a {$41.00} late fee. Why do I have to pay this fee which was never disclosed to me when i signed up? I have never missed a payment. They responded to my original complaint by crediting me {$50.00} only to charge {$41.00} again on my most recent bill. They are stealing from me and I refuse to pay anymore. Why are they allowed to bully their customers and steal funds through this ridiculous policy. As I said, I have never missed a payment so why do I have to pay {$41.00} extra every month. I need the CFPB to stand up for me!! My account number ends XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase issued a credit card in my name and under my social security number to XXXX XXXX, account number XXXXXXXX XXXX XXXXXXXX XXXX, without my knowledge. The card was given to others who apparently made purchases with the card, and one receipt was found with the signature " XXXX XXXX ''. I showed the receipt to Chase representatives several times and asked for statements for this account. 
One representative stated that this was fraud and that I should have this investigated. 
The Chase employees have refused to show me statements for the card, however, despite the fact that it was under my social security number. 

My attorney, XXXX XXXX, has had to contact the bank for statements under this card number, in my name. 
This has cost me in attorney fees, in addition to the fact that my credit score has been impacted negatively.

Chase appears to be protecting XXXX XXXX XXXX, despite that fact that he and I are both clients of the bank. 

I have submitted this information to the court in XXXX ( to the Honorable XXXX XXXX XXXX ). 

XXXX XXXX 's attorney is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Note that XXXX XXXX may have opened an account under XXXX XXXX XXXX 's name as well. 


Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I have been trying to to dispute and remove the erroneous claim of debt owed to security credit services a collection agency that claims I owe them from an original debtor XXXX XXXX In the amount of XXXX XXXX dollars for a loan that was taken in my name without my authorization or knowledge. I have contacted the collection agency and sent over to them a police report of an ongoing investigation that has lead the evidence of atleast one person stealing my identity. I asked that the company promptly and immediately remove the account due to fraud. The company has also failed to send me any evidence and or proof that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted equifax and have advised them that I am a victim of identity theft and have sent over a police report for the ongoing investigation involving XXXX XXXX sheriff 's office and atleast 1 person in question as a suspect in taking out loans and other debt in my name without my authorization. The debt from XXXX energy is a result of identity theft and does not belong to me I have contacted the company and have not gotten a response from this company with any evidence other than a itemized bill that could substantiate that this debt indeed belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Citibank credit card, opened XXXX XXXX, on which I was carrying and paying off some debt. I was on schedule to pay off this debt by XXXX XXXX, and had NO late payments ever. In XXXX, XXXX, and XX/XX/XXXX Citibank alerted me to XXXX fraudulent balance transfers to my account ( totaling approximately {$800.00} ). I contacted Citibank each time I received their alerts and told them that I did NOT make the balance transfers, that these were in fact fraudulent. On three different phone calls- XXXX through XX/XX/XXXX- Citibank assured me that the transactions would be reversed and that I was not responsible for payment. I asked to receive confirmation in writing which they agreed to do, BUT DID NOT FOLLOW THROUGH. 

I made my last payment to pay off my debt in early XX/XX/XXXX. Yet, I began receiving overdue payment alerts from Citibank in XX/XX/XXXX. I checked my account online, only to find that the fraudulent balance transfers remained on my account, thus showing a balance that did not belong to me. I contacted Citibank on XX/XX/XXXX and, after being on hold and being transferred from department to department for TWO HOURS, Citibank again informed me that I owed nothing and that a zero balance on my account would be reflected on my XX/XX/XXXX statement. This DID NOT HAPPEN, and has yet to happen, Now my credit score is being adversely impacted due to Citibanks fraudulent, unresponsive, and irresponsible actions. In XXXX, I opened disputes with the XXXX major credit bureaus ; however Citibank is telling them the fraudulent balance transfers are mine - in direct conflict with what Citibank told me on 3 different phone calls. 

Please help me resolve this with Citibank, so I can move on with my credit score restored accurately. Thank you kindly.

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 2022-03-29 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 my XXXX XXXX alerted me that a derogatory mark was placed on my report. From convergent outsourcingUpon further research - this collection was not verified. A bill without a written signature does not validate debt. Nor make it mine This account was sold and transferred! According to FCRA my rights have been violated and I want this collection 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 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC. RECENTLY RECEIVED A PROFF OF VALIDATION LETTER FROM ME ON XX/XX/2022. IN THE LETTER I ASKED TO RECEIVE AN ORIGNAL SIGNED CONTRACT BETWEEN MYSELF AND LVNV FUNDING LLC. ON XX/XX/2022 I RECEIVED A LETTER FROM XXXX XXXX XXXX SAYING THAT THEY WERE NOW THE COLLECTORS OF ALLEDGED DEBT AND TO WRITE THEM IN RESPONSE TO DISPUT THE DEBT. I CERTIFIED MAILED THEM THE FOLLOWING DAY DISPUTING ALLEDGED DEBT. ON XXXX XXXX I REVIECED ANOTHER LETTER FROM A NEW DEBT COLLECTOR, RESURGENT CAPITAL SERVIECS, SAYING THEY WERE IN FACT THE NEW COLLECTORS TRYING TO COLLECT ALLEDGED DEBT AND THAT I HAVE THE OPTION TO PAY THEM OR DISPUTE THE DEBT. THEIR PROOF OF VALIDATION WAS NOT THE PROOF THAT I ASKED TO RECIEVE IN MY ORGINAL LETTER TO LVNV FUNDING LLC,. THEY SENT ME AN ALLEDGE BILL INSTEAD OF FACTUAL EVIDENCE. EACH COLLECTOR THAT I HAVE RESPONDED TO HAVE STOP COLLECTION ON DEBT AND IS ACTIVELY RESELLING THIS ALLEDGE DEBT. I WANT THEM TO CEASE AND DESIST. AT THIS POINT IT IS HARRASMENT AND I WANT THIS COLLECTION TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have previously filed a complaint against Transunion and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from Transunion. Most recently I have had success removing a high balance of {XXXX} down to {XXXX} on XX/XX/2022. Transunion is stating that the collection is only showing a balance of {XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these bureaus.

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  texas opened an american express card under my business ein XXXX. I contacted the fraud department and they wont do anything. This will affect my business credit profile. my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have called and sent a police report into the creditors and I am still being accused of these accounts. I have no idea of knowledge of these accounts. This is really hindering me of applying for credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: World Acceptance Corporation
State: GA

Complaint narrative:
I have called and sent a police report into the creditors and I am still being accused of these accounts. I have no idea of knowledge of these accounts. This is really hindering me of applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: Incomm Holdings Inc.
State: NJ

Complaint narrative:
Received a vanilla gift card for XXXX XX/XX/XXXX for {$200.00}. On XX/XX/XXXX went to activate and it said I had a 0 balance. After signing into account and reviewing account transaction a transaction for XXXX was made on XX/XX/XXXX which I did not make for an advertising? I immediately called customer service who started and report and said the dispute center would notify me. I received an email from them on XX/XX/XXXX with the dispute package to fill out which I filled out immediately and received receipt that they received on the XX/XX/XXXX via email. Per email they had 90 days for refund. I have send emails on the following days with no response XXXX and have received no refund. I am totally disgusted, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Fortiva credit card. Tried resolve with prior. Harassing only. Doesn't seem an American run business not aware if correct. 

Paid day before due and they billed anyways next day which was returned because I am in hardship. 

Fees above on purpose because I paid day before and account should be even but above balance due to double billing to gain fees. 

I paid before due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2022 I went to the ATM machine right outside the front door of a Wells Fargo bank branch to deposit a check. The ATM took the check into the receiving slot and then displayed a message indicating some sort of error. It indicated the check could not be processed OR returned (! ). I immediately went inside. The teller I spoke to said the check probably could be retrieved. When I asked for that, the manager took over. She went into the secure area accessing the ATM from inside, took about 10 minutes and then came out and told me " there are too many checks to look through ''. She told me to open a complaint with Wells Fargo, she was not at all helpful and was even hesitant to give me the phone number to make the report, which she finally did. I asked for a staff member to be with me while I placed the ca in case the people at the complaint phone number needed information I might not have - she said no staff person was available as they had appointments coming in - but two staff people were free. 
Since then I have been contacted multiple times by various Wells Fargo staff, by phone, emailand regular mail, never requesting additional information simply saying, " We're processing your inquiry. Thank you for your patience. '' On XX/XX/XXXX I received a letter indicating they had processed a " provisional deposit '' for my checks amount of {$2000.00}. 
Today, 6 weeks since the ATM error, I received a letter stating, " no error has occurred '' and that the " provisional credit '' will be deducted. 

I am beyond upset and so disappointed about this. I know what happened. For Wells Fargo to tell me " no error occurred '' is incredible. 


I find it so upsetting to think about the consequences of something like this had I been in desperate need of the money for rent or bills or if I was less able to pursue my complaint. 
I also worry what I would have done had the ATM not been located right outside the branch office or if the bank has been closed. 

I've been told by Wells Fargo that I should have the check reissued. I think that was their game plan all along - to wait it out until I gave up on them and had the check reissued.

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 2022-03-29 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Spoke to a condescending supervisor at Bank of America EMPLOYEE ID : XXXX and requested a fee removal of XXXX monthly maintenance. I recently had a discrepancy on which account will be closed. They wouldnt abide by waiving a fee. Im an elderly client and they wouldnt help with this fee removal. Please help me get this fee waived

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank called said someone tried to open a new account and it wasn't me bank caught it and never opened then gave me info to contact here.

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 2022-03-29 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried to get this 30 day late payment fixed and equifax said it was verified by the creditor which is false and the creditor admitted the banking error and I am including proof of 2 payments with bank records of XXXX and XXXX so it is impossible to be 30 days late on the account described in the letter

Company response to consumer: Closed with explanation