vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I am asking and have asked Shellpoint before to remove late fees because they can not prove when the late payment was made. Shellpoint still has not checked the loan history for errors. I have found more errors and these need taken off. A prior loan service has tried to go in and make the number add up and they do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I had an unknown collection account appear on my credit. I first contacted the original creator who in this case was apparently XXXX XXXX XXXX. I spoke and sent them a letter along with the Fraud Affidavit and the account was removed. After that the collection account that was associated with the debt was removed. Now that I am in the process to get financed for a loan that collection account that was once removed has been reinserted to my credit report and has affected my chances of being approved, To date, I have not been contacted by anyone in this regard. The collection company is also alleging the account XXXX has been an open collection since 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Someone used my card and purchased items at a store location fraudulently. I was never notified regarding the account until I was applying for credit and another lender told me that I had late payments and the account was being charged off. I contacted the company and filed a fraud claim. They finally, after a year of me following up with the company, they admitted the charges were fraudulent and were suppose to remove all late payment reporting and charge off reporting. I am applying for a new home only to find that the information is reporting on my credit report again. The company has all the documentation regarding their investigation and results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone used my card and purchased items at a store location fraudulently. I was never notified regarding the account until I was applying for credit and another lender told me that I had late payments and the account was being charged off. I contacted the company and filed a fraud claim. They finally, after a year of me following up with the company, they admitted the charges were fraudulent and were suppose to remove all late payment reporting and charge off reporting. I am applying for a new home only to find that the information is reporting on my credit report again. The company has all the documentation regarding their investigation and results.

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 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I used XXXX to book a vacation. The first payment was taken in the amount of XXXX on XX/XX/XXXX. Then XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX due to Coronavirus ( COVID-19 ) threat XXXX cancelled my trip, and advised that i will need to speak to my debit card 's issuing bank for your options as a cardholder. I did as advised to no positive conclusion. My card issuing bank just keeps telling me to resolve the matter directly with the merchant. The following statement directly from the merchant Please note : XXXX paused operations on XX/XX/XXXX as this crisis was unfolding. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder. 
I've submitted the cancellation letter provided to me by the merchant, I've also submitted the flight and hotel information, to help with a positive outcome. Again they denied my claim. 
Several people that had used the same merchant disputed successfully with their credit card bank and recieved their money back. This situation is going on since the end of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TRANSUNION AND XXXX  HAS REFUSED TO REMOVE A ACCOUNT THAT I NEVER FILED FOR CAUSE TO HURT MY GOOD NAME.

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 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is trying to collect almost {$100.00} from me every month. I usually pay {$53.00} per month. Why is the minumium balance almost tripled? I am able to pay the usual {$53.00}? I rarely go over my limit.

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 2020-08-08 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
There were multiple unauthorized charges on my credit card between XX/XX/2020 and XX/XX/2020. They are detailed on one of the attachments, a listing of all of the charges I am disputing as unauthorized. The total amount disputed initially was {$1600.00} plus applicable late fees and interest charged on these unauthorized purchases. These purchases were made through the XXXX XXXX XXXX for XXXX, a virtual currency used in the game XXXX. 
Upon noticing the unauthorized charges, I contacted XXXX to request a refund for the unauthorized charges and my request was denied. I then contacted the XXXX company and they stated that they are unable to provide refunds for anything purchased through XXXX, they can only provide refunds for purchases made directly with them. I filed some disputes on the individual transactions through the BarclayCard account website but did not receive any response for a significant amount of time. Since I wasnt receiving a timely response on this dispute, I wanted to make sure my dispute was written and delivered with the appropriate time period specified in the Fair Credit Billing Act to preserve my rights. I also cancelled that specific credit card and requested a new one given the security compromise. 
I then sent a letter, a copy of which is attached, and mailed it on XX/XX/2020 with a return receipt indicating it was received by Barclaycard Card Services on XX/XX/2020. I received no written acknowledgement of my dispute as required by the Fair Credit Billing Act. 
I then sent another letter on XX/XX/XXXX, a copy of which is attached, and it was received by BarclayCard Card Services on XX/XX/XXXX as evidenced by the return receipt for this letter. On XX/XX/2020 there was a refund of {$100.00} on disputed purchases that had been disputed via the credit cards website previously so now I was requesting {$1600.00} and fees minus {$100.00}. By this time I still had not received written acknowledgement of my dispute. 
Finally I sent a third letter on XX/XX/XXXX, a copy of which is attached, and it was received either on XX/XX/XXXX ( USPS tracking website ) or XX/XX/XXXX ( return receipt postmark ). By this time more than two full billing cycles had passed since my initial written dispute without resolution nor acknowledgement. 
As I still have not received any correspondence from BarclayCard Card Services regarding my dispute, I have decided to proceed with this complaint through the CFPB.

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  AND EXPERIAN HAS REFUSED TO REMOVE A ACCOUNT THAT I NEVER FILED FOR CAUSE TO HURT MY GOOD NAME.

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 2020-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/2020 i was online looking at houses and they had contacted me via email and told me that they owned the house and after looking at my info they then told me i was accepted as their new tenants. they sent me a copy of the lease and we both signed then i gave them the {$1800.00} and was told i can move in on XX/XX/2020. XX/XX/20 comes along and no one is answering or texting back or even emailing back. i never got the keys. i then drove by the house and other people were moving in. my boyfriend and i tried to knock on the door and talk to the people in the house but it looked like no one was there. i have a copy of a " rental agreement '' signed with us both. They said that the one husband got a job offer in Nevada and that they had to move and just wanted a family to take care of their house while they were gone. i tried to call my bank ( Chase ) to get it was resolved but since its Saturday they were closed and said to call back. im not sure if i can even get the {$1800.00} back and i really need that to put down on a down payment for a house or apartment. im a single mother that gets no help from my sons biological dad, this is all i had in my savings

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 explanation
Consumer complaint received 2020-08-08 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
Meridian Financial listed 6 separate accounts as delinquent with different amounts. The accounts were very old when it showed up on my report with dates that are more current. This was for a timeshare from 15 years ago, XXXX XXXX XXXX. We were given misinformation and disputed this in XX/XX/XXXX with XXXX XXXX and then it shows up on my report in XX/XX/XXXX. I disputed but had no way to explain myself, so they removed 3 of the accounts but the other 3 remain and are increasing all the time. They received enough of my money for NOTHING in the 3 years that I did pay for this and they will get no more. I have never even stayed there for vacation since 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 2020-08-08 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Westcreek Financial
State: WA

Complaint narrative:
In XX/XX/2019 I purchased a set of tires from XXXX in XXXX XXXX, WA. for approximately {$650.00} dollars, and they set me up through West Creek Financial as the only option of making monthly payments on the tires. When I made the purchase, I was not made aware nor was I given paperwork that the payment must be completed in 100 days, and XX/XX/XXXX still does not have paperwork to back this. West Creek Financial also never notified me by mail or email at any point during this period of time about this 100 days to pay the debt. 

When I realized I was being charged beyond my initial purchase amount, I called West Creek Financial and they told me my balance is over {$1500.00}. West Creek Financial was not able to explain these terms to me over the phone, and XXXX could not explain it in person when I re-visited them to fix the issue. So my debt was more than doubled and this is something I was not notified of by anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
There two inquiry on my credit report that I dont recognize or wasnt made by me. 

Member ID XXXX Company XXXX XXXX personal loan companies XXXX. XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ut XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing this with experian for over 6 months now. They are inaccurately reporting accounts on my credit report. They refuse to remove it. they are reporting charged off accts with a balance showing and that is not correct according to the fair credit act. a charge off cant show a balance and they must remove it. 
They cant sell a debt to a collection company and then show it as a balance when it was charged off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: IL

Complaint narrative:
I have disputed with all three credit bureaus to have the dismissed Chapter XXXX deleted due to being misguided by the lawyer group XXXX XXXX XXXX on the proper filing for XXXX XXXX. Ive submitted disputes every quarter starting in XX/XX/2018via the bureaus direct websites.

Company response to consumer: Closed with explanation