vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 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: GA

Complaint narrative:
This account was deleted from my credit report on XX/XX/2021. Experian reinserted the account on my report without notifying me in writing 5 days prior to.

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 2021-10-16 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:
A dispute and FTC report was submitted for a fraudulent account and hard inquiries on my credit reports. 

XXXX account : XXXX {$7300.00} Hard inquiries : Transunion - XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 2021-10-16 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: PA

Complaint narrative:
A dispute and FTC report was submitted for a fraudulent account and hard inquiries on my credit reports. 

Equifax account : XXXX {$7300.00} Hard inquiries : XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  Fin XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax - XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: PNC Bank N.A.
State: IL

Complaint narrative:
I filed multiple disputes with the credit bureaus. It take them well over 30days to comply in fact when i did receive a response they never removed or made any adjustments to my concerns with the inaccurate info on my credit report.. I have been disputing with them for a period of time now and they fail to comply..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Century Financial Services, Inc.
State: CT

Complaint narrative:
On XX/XX/21 I received a first collections letter from Century financial service requesting immediate payment for " medical services ''. On XX/XX/21 I sent by certified mail a debt validation letter to Century financial services. Instead of they sent a list of my medical records diagnosis which I know is a direct violation of my HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Had a check deposit in my account and its been frozen for over a month now almost 2 and Ive done everything on my end and have even had people call and verify. My funds need to be available now its getting to be XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I filed multiple disputes with the credit bureaus. It take them well over 30days to comply in fact when i did receive a response they never removed or made any adjustments to my concerns with the inaccurate info on my credit report.. I have been disputing with them for a period of time now and they fail to comply..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery a credit collection account was placed on my credit reports. I have previously contacted CFPB in regards to this acct being used unauthorized. Last week Portfolio Recovery sent me a packet with a few statements. I have no knowledge of this account. 
They say this is from XXXX XXXXXXXX. I currently have two great standing accounts with XXXX XXXXXXXX so not sure how they have a derogatory account. 
I was in XXXX treatment for a few years for XXXX XXXX XXXX. At that time I was barely breathing and a lot of my information was used. I have placed security alerts on my credit reports as a result of that situation. I have attached my XXXX XXXX XXXX XXXX XXXX ID card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: Tally Technologies
State: GA

Complaint narrative:
A creditor is reporting on my credit report late payments every month from XX/XX/2021 to now XX/XX/2021. In XX/XX/2021 that reported an on time payment. I pay my bills on time every month and need these negative accusations removed from my credit report. I have not heard anything from this creditor or had a current bill that said i was late or that I owed money.

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 2021-10-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent numerous letters to Equifax, XXXX and XXXX disputing the inaccurate late payments and inquires on my credit report and asking for verification. Each bureau is reporting different months of late payments for months that I was never late. Letters dated XX/XX/2021 I asked for verification and a reinvestigation and over 60 days later I have not received any response or correction from Equifax, XXXX or XXXX. I want these late payments and inquires removed because Equifax, XXXX and Equifax have failed to respond to my request in my XX/XX/2021 dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
COMENITY BANK IS THE ISSUERER FOR THREE ACCOUNTS THAT I RECENTLY PAID OUT THE PREVIOUS BALANCES BEFORE THE DUE DATES. 
STAGE IS ONE OF THESE ACCOUNTS AND IS NO LONGER IN BUSINESS NOT EVEN ONLINE! 
COMENITY HAS CONVENIENTLY CREATED A BALANCE FOR EACH ACCOUNT BY DEMANDING AN UNJUSTIFIABLE RETURN FEE OF {$29.00} DOLLARS, AND BY MASKING THE FEE AS A PURCHASE ALONG WITH AN INTEREST CHARGE! 
HOW UNDERHANDED! 
WHEN I LEARNED THAT MY PAYMENTS HAD BEEN RETURNED DUE TO A, " STALE CHECK, '' ( PLEASE SEE COPY ) I IMMEDIATELY NOTIFIED XXXXXXXX XXXX  XXXX XXXX XXXX, AND XXXX. I ALSO MADE DUPLICATE PAYMENTS FROM ANOTHER ACCOUNT TO OFFSET THE RETURNED PAYMENTS. 
I SIMPLY WANT ALL THREE ACCOUNTS TO BE REPORTED ACCURATELY WITH XXXX BALANCES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My BMO credit card was placed on a fraud alert, as tried to purchase an item from XXXX and then XXXX. I called them on XX/XX/2021 to state that the charges were indeed legitimate and their agent said he lifted the fraud alert. After trying to make several purchases later that week they were all declined. I called again twice again on XX/XX/2021 and it apparently my card was still on fraud alert ( as I had paid my balance in full, the current balance was {$23.00} ). I inquired and the agent stated they " would call me back in 2 minutes '' after I explained that there was no fraud taking place. The agent ( s ) never called me for resolution. On XXXX, I called to close my account and their agent did not comply.

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 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
Southern Management Company nor XXXX XXXXXXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. Southern Management Systems contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX  for the accuracy of this report. It has been 2 years since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand for this inaccuracy to be removed from my report and to notify Southern Management Systems and XXXX  XXXX of their discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have file several dispute regarding inaccurate info on my credit report.. The bureaus, creditor and collectors fail to comply.. They have not removed the inaccurate items nor have they attempted to correct it.. This is taken too long and has become a burden to me and my family with the items remaining on my credit.. Can you please help me with making them comply so I can put this behind me..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom this may concern. Capital One has restricted my account and Im unable to use my credit card. I have not received any letters, communication directly from the company as to why I am being restricted. I have made over 4 attempts to reach out to capital one to get a reason as to why my account is restricted and the company refuses to provide any valid reason as to why my account is restricted. Im reaching out to see if CFPB could be off assistance to get answers as to why my account is being restricted and me being unable to utilize my card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In late XXXX I received a Wells Fargo credit card in my name that I did not apply for. I called the same day using the numbers listed on the cover page. The representative I spoke with said she needed my SSN which I did not feel comfortable giving her so I did give her the credit card number and my name. She said there was nothing found in the system for that card. I then asked her about it being a fraudulent card and she said she would send me a fraud application which I never received. Weeks later on XX/XX/XXXX I received another piece of mail about having a Wells Fargo Everyday Checking account that I did not apply for. It said there ( luckily ) was a XXXX balance but that there would be fees for a XXXX balance. Please help me with this fraudulent account. It needs addressed and closed

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 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX a credit collection account was placed on my credit reports. I have previously contacted CFPB in regards to this acct being used unauthorized. Last week XXXX XXXX sent me a packet with a few statements. I have no knowledge of this account. 
They say this is from capital one. I currently have two great standing accounts with capital one so not sure how they have a derogatory account. 
I was in XXXX treatment for a few years for XXXX XXXX XXXX. At that time I was barely breathing and a lot of my information was used. I have placed security alerts on my credit reports as a result of that situation. I have attached my XXXX XXXX XXXX XXXX XXXX ID card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have attempted to get Wells Fargo to stop accepting any payments when my account is low about four times now. I regularly run low on cash, and when this happens I would expect payments that are attempted to be denied by my bank. I have spoken to support services no less than four times since XXXX and each time I have had overdrafts reversed and been told that my account will no longer overdraft if I do not have the funds. 

Each time, though, payments are held in processing until I am low, and then the most expensive payments tend to not clear until several days following the purchase, and I will overdraft. Ive even noticed that sometimes payments that cleared will go back into processing once i get low, causing me to incur overdraft fees even though i had more than enough money at the time the purchase was actually made. I have lost hundreds of dollars to this, and my requests for my account to simply not process payments if I dont have the funds has been ignored each time. I know that other banks do this, so Im not sure why Wells Fargo can not. 

Attached is an example of a payment changing status days later. I paid for a ticket on the XXXX, and on that same day the payment appeared on my statement ( I didnt screenshot this as I wasnt expecting anything to change ) Now, however, the same payment shows up as XX/XX/XXXX, which means it will more than likely cost me {$35.00} for an overdraft fee even though I had more than enough in my account to cover it on the day of the actual payment.

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 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I contacted chase on XX/XX/15 after I tried to use my card to make a purchase and my card declined. When I called chase to check my balance or see if their system was down I was told my account was closed and to contact customer services. When I contacted customer service I was on the phone with them for 4 hours with no information given. I was first told that both my accounts were closed and it was a final decision and she couldnt explain so she would transfer me. After holding for over an hour a man came on the phone and told me my account is still open and active with no restrictions but my debit card is closed. I asked him why I wasnt given any notifications via email or text which is my preferred contact method nor was I mailed anything. He said he did not know any wasnt in charge of that and he also didnt know why my account was closed he then told me he would transfer to someone who could answer my questions. I was transferred to another lady who told me both my accounts were closed and it was a final decision and cant be reversed she also stated she didnt know why I wasnt notified and still havent been notified of this decision but my account will be closing in 10 days. She also said she didnt know why they had been giving me the run around because my account clearly says in red to contact online services. No one has yet to reach out to me notifying me my account will be closed and why that decision was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: FC HoldCo LLC
State: GA

Complaint narrative:
I have filed several disputes regarding my credit concerns, and inaccurate info that's on my credit report.. It appears that no one is willing to comply.. I have provided proof of letters I been sending out to correct all the matters and concerns I have.. There has not been any results of changes or compliance.. This has become a burden to me and my family.. I will like to see some results base solely upon my disputes and matters I'm having on 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 explanation
Consumer complaint received 2021-10-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reached out several times to try and get this matter resolved. There is an account from XXXX XXXX  and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from my credit profile.

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 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Inflection.com, Inc.
State: TX

Complaint narrative:
There is another womans information coming up for employers and other companies that use this service, telling them that I have a criminal record, but I Do not. Ive never been arrested or put into handcuffs or even been convicted of a crime. 

I have a letter from the local sheriffs department showing that I have a clean record, and Im willing to share addresses, my ssn, and anything else I have to to get this report fixed. It is ruining my life, Ive been denied jobs without a second thought from them, Ive been denied air bnbs, and credit cards and even housing due to this other persons information and I cant handle the stress anymore. Its causing me a great amount of grief and stress, I cried all morning because our vacation is ruined because of this incorrect report you gave to air bnb. 

Please tell me what else, other then this letter from the sheriffs department, that I can send to help prove Im not this other person and to help Separate myself from this other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
XX/XX/XXXX, I lost 7points on my credit report, due to Experian recommending discover transfer credit card without informing me it was a hard inquiry. I've tried several phone numbers for Experian to no avail. I've tried my online account to file dispute and am not allowed. I'm very upset.

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 2021-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I made a lump sum payment from my XXXX award to Sallie Mae ( now XXXX ). Sallie Mae did not, as required by law, give me credit for 12 lump sum student loan payments. This caused me to default on my loan.

Company response to consumer: Closed with explanation