vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest is attempting to collect on a debt that I do not owe for {$610.00}. They are harassing me with an attempt to ruin my credit. They are reporting a debt as if I had signed a contract with them. Midwest is violating my Fair Credit Report act rights. They call and leave messages that they are sending someone to arrest me. They are reporting negative information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I called Midland Funding and the customer service person stated they sold the debt to another company and that all she could tell me. If Midland Funding sold this to another company then why is it still showing on all three of my reports. This is wrong. How I am supposed to know who has this account that they stated I owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Kay Jewelers. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by State Farm. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
Hi there, I signed to purchase my first car from a dealership in XXXX of 2016. I purchased a used XXXX  XXXX XXXX. Total cost including warranty & gap insurance was {$20000.00} with 10 % interest. The only monthly payments I could afford were the 7 year plan payments. I was approved by ally auto bank. I have been paying on time for over 3 years but ally is saying I have only paid 1/3 of the total balance. With {$1400.00} paid to interest last year how is this possible? I am so confused how 10 % of XXXX ( {$2000.00} ) is now closer to {$10000.00} that I will have to pay? I the cost of the vehicle is 50 % more. Not 10 %. This interest is a mistake or a lie. I am so confused. The bank says I will have to pay over {$30000.00} total by the end. This is robbery. I agreed to 10 %. Not 50 %.

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 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by CITI. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2020-05-03 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: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX, I worked for XXXX XXXX : XXXX as a ( XXXX XXXX XXXX ) My job was to XXXX XXXX from XXXX  and XXXX  them XXXX XXXX XXXX. My purchases with XXXX FOR {$3600.00} was cleared with Citibank account # XXXX for payment in XXXX but, XX/XX/XXXX the company account came back Fraudulent in I got the bill. Same happened with my XXXX XXXX Credit Card for {$940.00}, XXXX Credit Card for XXXX. Everything went fraudulent after being cleared for payment in XX/XX/XXXX. Basically XXXX was fraudulent and I stopped working for them in 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 2020-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
All throughout XXXX, I was unable to make my mortgage payment, as per a representative I spoke with, their systems crashed and would be resolved Before XX/XX/XXXX, so I would be able to make my online payment. XX/XX/2020, I went in to make my payment, which I WAS able to make, but there was a note that stated I did not have to pay, as my account was in forbearance. I NEVER REQUESTED to be on a COVID forbearance plan, so after making my payment, I immediately contacted Wells Fargo to rectify my account status. The representative I spoke with stated it would take 2 weeks for my account to reflect the proper coding. Regardless, I received an alert from my free credit reporting there was a remark on my credit BY WELLS FARGO, stating I was in a forbearance plan. I am reporting to both the CFPB and OCC, as I know any credit reporting tied to COVID is a direct violation of the CARES act. Again, not only was this reported in violation of the rules and regulations set forth by our regulators, Wells Fargo also reported erroneously as I A ) did not request to be placed on a forbearance plan and B ) my loan is current, with a due date of XX/XX/2020. Also, I have never made a late payment, so am very upset about how my credit report reflects a forbearance status. I have attached screen prints from my credit reporting showing the remark, as well as from my account, showing my account is current. 

Lastly, my step dad, XXXX XXXX XXXX, is on the note, but not the mortgage. I am currently only filing this complaint on my behalf, but would expect if his credit were affected as well, the same updates to credit reporting should be reflected for him. 

Thank you. 

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 2020-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
I purchased a Western Union money order on XX/XX/2020 at our local grocery store for the amount of {$310.00}. I was using this money to pay my taxes. The next day as I was filling out the money order I made a mistake in the pay to order line and scratched thru it. I read online that the money order is no longer acceptable for payment since I have made an alteration or mistake on the money order. I looked up Western Union on the internet and tried to contact customer service. All I received was a recorded message with instructions I could barely understand since I am XXXX XXXX. There is no one to talk to at this number. Again after doing some research I found an email address to their customer service department explaining my situation. I have sent several emails requesting information on what to do and any forms that I need to fill out in order to get a refund or replacement money order. This has been going on for several weeks now and was even notified that a letter had been mailed out on XX/XX/2020. I have not received the letter or any other correspondence from them. I sent them an email today that I was going to seek other assistance with this issue. I have all my email correspondence in my gmail account. If you would like to see these emails then please send me your email address and I will send them to you. I can't understand why a company of this magnitude has such a customer service department that is so unresponsive. I appreciate all of your assistance in this issue. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX CST I received an email from Google Pay that I transferred {$750.00} to another person. I did not initiate this transaction and immediately reported the transaction as fraud using the link in the email. I received the dispute request confirmation email from Google Pay at XXXX, 16 minutes after I was originally notified about the transaction. 


On XX/XX/XXXX, XXXX CST a rep with Google Pay support replied back to my support ticket saying " no fraudulent activity '' was found on my account. I attempted to get them to escalate the case because I didn't make the transaction, don't know who it went to and am shocked that with a fraud report 16 minutes after the transaction that they could do nothing to stop it. 

Over the next few days I continued emailing with Google Pay support, but they refused to give any more details on the case. 


Following their own EFT Error Resolution Policy they state that if I reported the unauthorized use within 2 days the most I can lose is {$50.00}. However Google Pay support says that policy may not apply but will not give me a reason.

I have stated in my communications with Google Pay support that I believe the transaction is fraudulent, that I believe I know how the unauthorized use of my account happened, but they refused to review the case further or provide any details to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX  keeps adding the address to my report which I have never lived in IL. I have lived in WA State my whole life, This is a issue I have to dispute every 2 to 3 years. Please remove this address again. It states on my report as of former 2018. 
XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: WA

Complaint narrative:
Experian is reporting child support that was mistaken showing up on my report in XXXX when DSHS made a mistake with wrong XXXX. 
This account needs to be removed completely from my credit report as requested several times. 
XXXX XXXX XXXX Account Number - Balance XX/XX/XXXX Date Opened Paid, Closed/Never late. XX/XX/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 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2020 I received an email from Capital One let me know that my credit card was getting renewed for the annual membership fee of {$95.00}. Given the situation with COVID-19, I am being very careful with my finances and did not want to use a service unless it is absolutely necessary. I immediately called to let them know I did not wish to pay the annual fee and would either cancel the card or downgrade to a non paying card. They offered me a non membership fee card and my understanding was the annual fee would thus be removed. I received the non membership fee card around XX/XX/2020 which clearly indicated it was a no fee card. On XX/XX/2020 I got an email saying that {$95.00} was due. I gave it a few days and checked my account online and still noticed the charge was still there. So on XX/XX/2020, I called Capital One. I spoke to the billing department and the dispute department and they both said there is no way to remove that fee. Even though I am not using that service and am not using that card, they do not have a way to remove the charge. I asked to speak with a supervisor and they repeated the same thing. I told them they can't charge me for a service I am not using and that I cancelled the moment the emailed me about the renewal. The supervisor refused to do anything. I asked this issue to be escalated to a higher individual, and he basically said there was nobody he could escalate it to and said that it was a final decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent in a Identity Theft report from FTC to Experian Credit Bureau. Regarding two accounts that are reporting on my Credit file that are due to identity theft. This has been going on since 2019, and they refuse to remove these two accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by Mail, Disputes online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. 

from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB have Experian to remove these accounts or Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing Experian.

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 2020-05-03 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: Conn's, Inc.
State: SC

Complaint narrative:
In XX/XX/XXXX, the day after XXXX, I went to Conn 's Home Plus to purchase an appliance package they had on sale which included a refrigerator, stove, microwave and dishwasher. They did not have dishwasher in stock and thy back ordered for pick up after XXXX. I never heard from Conn 's about item coming in to store. In XXXX I began getting text message about a late payment of {$44.00}. When I called customer service, I told them I never received dishwasher and was not paying for something I never received. I have spoken to customer service numerous time regarding this matter. I emailed corporate to let them know what was going on and they said they call customer service. Customer service finally said that someone pickup dishwasher on XXXX, XXXX. I asked to see the signed document regarding the pickup. They had nothing. Someone went into the computer and marked item picked up. I dont know why an employee code was not shown to see who completed this transaction. Conn 's is now threatening to turn account over to a collection agency. There is something fraudulent going on in that store. I NEVER PICKED UP A DISHWASHER AND i WILL NOT BE BULLIED TO PAY FOR SOMETHING i NEVER RECEIVED. I want proof that dishwasher was picked up and by who, I will sue Conn 's if they place any negative item on my credit report. I am also filing a complaint with the XXXX  becasue this makes no sense,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Debt collection company failed to provide any of the legally required " Validation '' items as requested by Certified Letter within the first 30 days after notification of purchase of a debt and intent to collect. Consumer is knowledgeable as to what constitutes legally required Validation materials under the law and the formal process requesting such information. To date, no Validation documentation has been shown to exist. Company has never provided a single required document or a formal, company authorized official response on corporate letterhead by a management level representative. Company responses have been a single statement that they only received an " electronic '' file from the creditor and therefore have nothing to provide, along with snarky, smart-aleck comments in the tiny note section of collection notices received. 

A " Cease and Desist ' letter was sent by Certified Mail in XX/XX/XXXX. For 3 months, the company honored that demand. But beginning in XX/XX/XXXX, the company again began sending out collection demands. 

The company placed the collection on the 3 major Credit Bureaus even though they failed to present a single document as required by federal law to " Validate '' the debt. 

XXXX and XXXX  have not responded for 60 days after submitting a dispute. XXXX  responded that the debt was valid even though the debt collection company can not provide any Validation documentation or evidence to consumer. In XXXX, consumer sued and won a similar complaint against XXXX  for removal of false, incorrect information.

Company response to consumer: Closed with non-monetary relief