vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: IA

Complaint narrative:
XXXX has been reporting my accounts as late even though they are paid in FULL! I will attach copies of my loans that state they are paid in full! I keep emailing them with no response!

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 2022-09-20 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: LA

Complaint narrative:
I have a derogatory remark from a law firm in Texas that is a collect agency. That law firm purchased an old Dept from the year 2006 when XXXX XXXX ambulatory services took me unconscious to the hospital. The debt is now 16 years old and I filed a dispute with all 3 credit agencies about it. Of the 3, Experian is the only agency that has failed to take it down and that is after I filed 3 different times with them to have it removed from my credit rating.

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 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: CA

Complaint narrative:
XXXX trying to charge me for shipping charges on a shipment they lost. Total amount of the charge was {$320.00}. I just received another threatening letter from them. The XXXX invoice date on my account XXXX is XX/XX/2022. I filed a claim with XXXX  on XX/XX/2022, original claim number is XXXX. I did a screen shot and made a pdf of the on line form for this claim because the on line system locked up every time I tried to submit it. There are other claim numbers that XXXX assigned later : XXXX is one of these. The credit card statement came and the charge was on there. It was disputed : XXXX 1 claim # XXXX. All supporting documents were sent to the credit card company and they made an adjustment amount of {$320.00} to the card : reference # XXXX. The credit card company has refused payment for the charge. My material supplier reimbursed me for the cost of the material already and filed a XXXX claim on their end. Since I had the material charged to my XXXX account, I had to file a claim for the shipping amount from my end. 

As of this date, EGS Financial Care , Inc., a collections agency has contacted me 3 times on this matter, I submitted the proof of non delivery by XXXX each time. Now XXXX is still trying to collect on this one. 

I have attached the non delivery notice and the original claim docs here. There is about a dozen more, a testament to the total run-around they gave me. If you need all of it, I can send them. The non delivery notice is the big one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed by person to send money for a rental in XXXX fl was told that property was being rented lease and did not get or receive lease or keys as promised after payment was made through XXXX which I used my banking app Wells Fargo banking money was sent on XX/XX/2022 I filed a scam to bank on Monday XX/XX/XXXX met with banker in office in XXXX on XX/XX/2022 they did investigation and denied refund I have text messages from scammer on all promises that did not happen the amount that was sent was a total of {$1200.00}

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 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX has been reporting my accounts as late even though they are paid in FULL! I will attach copies of my loans that state they are paid in full! I keep emailing them with no response!

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 2022-09-20 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: Affirm Holdings, Inc
State: IA

Complaint narrative:
Affirm has been reporting my accounts as late even though they are paid in FULL! I will attach copies of my loans that state they are paid in full! I keep emailing them with no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: EdFinancial Services
State: MA

Complaint narrative:
EdFinancial is purposefully delaying their refund process but stating refunds could take 6 months to a year for me to receive it. Meanwhile all other student loan providers are expediting the refund process. Not only that, but EdFinancial also refuses to send any sort of confirmation email. The person I spoke with on the phone also spread purposefully made it more difficult for me to request this refund by telling me how I wouldn't need to worry about it and asking for a refund wasn't necessary. I am waiting on a refund amount of {$2500.00} and it is disgraceful that it could take up to a year to get my money back. I requested this refund amount in XX/XX/XXXX and I wish to get my money back as soon as possible. 

I made my payments on XX/XX/XXXX and XX/XX/XXXX. I more than qualify for these refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Mailed XX/XX/22 check for {$270.00} to pay down debt for dental work at XXXX XXXX. Mailed payment to XXXX, Ohio instead of XXXX, Texas collection center to XXXX XXXX Financing with account number on the check. Still have not credited my account with payment even though check cleared my account XX/XX/22. Sent me XX/XX/22 letter on my jy inquiry as to why check not cleared and was told it could not be located in their collection system. When check cleared my personal bank account XX/XX/22, I thought issue was resolved. However, Comenity Capital Bank said my claim was under investigation and it would take up to 90 days to credit my account for {$270.00} subject to interest. Amount still not credited to my account. My bank ( XXXX XXXX ) said they could not provide me with a image of my check because money was withdrawn via electronic transfer. I want the {$270.00} credited to my debt account asdof when it was cleared. Filed with XXXX XXXX XXXX, but told I must wait for Comenity Capital Bank to respond because they are exempt to providing third-party information request.,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason XXXX I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. 
Please remove this account. 

Please see the attachments for more added detailed information pertaining to this investigation. Thank you!

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 2022-09-20 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: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect XXXX ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect XXXX ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason XXXX I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account XXXX ) and the date opened being reported ( XX/XX/XXXX ) is wrong. 
Please remove this account. 

Please see the attachments for more added detailed information pertaining to this investigation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/22 at XXXX I made a check deposit of $ XXXX was told by the teller the funds would be available XXXX the next day. Subsequently, several hours later I was emailed a notice telling me the check would be put on hold for 10 days due to some obscure reason. 

I went to the local bank the next opening business day which was XX/XX/22 to try to retrieve the check and was told the check was put on hold by their " Back Office '' for reasons unclear to them, it was already mailed out and that I would have to call their customer service for further help with this matter. 

On XX/XX/22 I contacted the issuer of the check to try to get them to cancel that check and wire me the funds since I was in dire need of the cash right away. The issuer of the check ( accounting ) told me the funds had already cleared their account. 

I contacted BOA customer service to get an explanation of why they had to hold my money for 10 days when it's stipulated in their own bylaws that they can hold check 2-7 days. I also needed to know what the reason was for the hold considering the issuer released the funds the day after deposit. The manager I spoke with could not give me a reasonable explanation. All she could say was this is the rule of the bank... there is nothing we can do. 

At best, this is a very shady business practice!!

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 2022-09-20 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: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
I have a derogatory remark from a law firm in Texas that is a collect agency. That law firm purchased an old Dept from the year 2006 when XXXX XXXX ambulatory services took me unconscious to the hospital. The debt is now 16 years old and I filed a dispute with all 3 credit agencies about it. Of the 3, XXXX is the only agency that has failed to take it down and that is after I filed 3 different times with them to have it removed from my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
A person claiming to be XXXX XXXX called me and told me about their services of an personal investor. Ive sent {$2600.00} over the past month through XXXX with Wells Fargo. When I tried to get some withdrawn I was blocked.

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 2022-09-20 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: NJ

Complaint narrative:
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 In accordance with the Fair Credit Reporting act Convergent these companies below have violated my rights : XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX XXXX # XXXX. Has violated my rights ONLINE INFORMATION SER # XXXX Has violated rights

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 2022-09-20 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: NJ

Complaint narrative:
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 In accordance with the Fair Credit Reporting act XXXX  these companies below have violated my rights : XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX XXXX  # XXXX. Has violated my rights ONLINE INFORMATION SER # XXXX Has violated rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need to remove my fraud alert from my credit report and update my cell phone number with your company I have already send letters but I didn't have any response I know that you need to verify my identity so I have attached a copy of my current driver 's license and a copy of my Social Security card as proof of my identity, also in the attached documents there is a picture with my current phone number Please remove the fraud alert and update my phone number with your company

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 2022-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Yesterday morning someone opened an account using my social security number and my email address with Bank of America. Icalled the company and got the account closed but I wanted to make sure this didn't happen again. I used XXXX to see that XXXX had a leak last summer where my SS # was exposed.

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 2022-09-20 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: NJ

Complaint narrative:
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 In accordance with the Fair Credit Reporting act XXXX  these companies below have violated my rights : XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX XXXX # XXXX. Has violated my rights XXXX XXXX XXXX # XXXX Has violated rights

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 2022-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
The vehicle was totaled by XXXX XXXX XXXX due to flood damages. My credit report, after disputes with the credit bureaus is showing the total purchase price of the vehicle. 

Credit report does not reflect the correct balance. I have not received any correspondence reflecting the balance on the the vehicle. The company is reporttng late payments to the credit bureaus, drastically lowering my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I was alerted by XXXX my mortgage balance increased by {$5000.00}. I purchased my home in XXXX of XXXX. After my down payments etc ... my mortgage balance is {$330000.00}. This was being reported to the credit bureaus, until around XX/XX/XXXX, when I received a credit alert my mortgage balance increased by {$5000.00}. I began making the classes to XXXX and to our current mortgage servicer, SPS ( Select Portfolio Servicing ) XXXX states this information is coming from the mortgage holder. SPS is not the mortgage holder, however they are my contact for discussing my mortgage. I called SPS, and they are saying they are not reporting this increase to my credit report. They told me the county tax accessor must be reporting to the credit bureau. Today, XX/XX/XXXX, I placed a called to the tax accessor about my concerns. They expressed to me, they do not report to credit agencies. This brings me back to SPS, who told me yesterday they are not reporting this {$5000.00} increase to my credit report. At this point, this is holding me up from being able to secure a line of equity to help us continue to rehab this dilapidated property. I watch my credit score closely to try and secure financing with the lowest interest rate possible. This situation continues to lower my score, while it's false reporting of information. I don't owe taxes until XXXX, for which I have already paid into my escrow account to cover these taxes, as this is what takes place when you purchase a home. Taxes are paid in the rears. The former owner of the home, ( a bank ) is responsible for the XXXX taxes for my property. XXXX XXXX XXXX, XXXX XXXX. This is my second complaint filing, as the first is when I discovered what has happened and no one can give me a straight answer. Mortgage Processor pointing the finger at the tax authority is absurd! The entire process for purchasing this home began with XXXX XXXXXXXX XXXX, when I caught them discriminating against me, as I have a XXXX last name. Had everything not been so stressful, while running a business I would have filed suit against XXXX XXXXXXXX XXXX. This is my husbands last name, as I am a XXXX, born and raised in the XXXX, cousins to XXXX XXXX the great Senator of Minnesota. I have never felt the feelings of discrimination until now as people assume I am XXXX. I need this false reporting to be fixed and I do not know where to turn.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation