vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, or XXXX XXXX XXXX XXXX, agreed to remove my credit card account from my credit report after paying a legal settlement for the amount of {$460.00} on my credit card that had a balance of less than {$850.00} on XX/XX/2020. I have spoke with them several times since XX/XX/2020 and they refuse to remove the account on my credit report. I have disputed this with each of the credit bureaus directly and have recently requested by mail that they remove the account and have disputed their actions as well. I find that I will have to resort to legal actions. They show that I have several charge offs on my account, as well as late payments after the settlement was paid.

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 2021-02-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, or XXXX XXXX XXXX XXXX, agreed to remove my credit card account from my credit report after paying a legal settlement for the amount of {$460.00} on my credit card that had a balance of less than {$850.00} on XX/XX/2020. I have spoke with them several times since XX/XX/2020 and they refuse to remove the account on my credit report. I have disputed this with each of the credit bureaus directly and have recently requested by mail that they remove the account and have disputed their actions as well. I find that I will have to resort to legal actions. They show that I have several charge offs on my account, as well as late payments after the settlement was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: GA

Complaint narrative:
XXXX, or XXXX XXXX XXXX XXXX, agreed to remove my credit card account from my credit report after paying a legal settlement for the amount of {$460.00} on my credit card that had a balance of less than {$850.00} on XX/XX/2020. I have spoke with them several times since XX/XX/2020 and they refuse to remove the account on my credit report. I have disputed this with each of the credit bureaus directly and have recently requested by mail that they remove the account and have disputed their actions as well. I find that I will have to resort to legal actions. They show that I have several charge offs on my account, as well as late payments after the settlement was paid.

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 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: NC

Complaint narrative:
I have written 3 debt validations letter to this company and they have not followed up with validating the debt. They repeatedly sent me information about the alleged debt but nothing that verified the debt was mine bearing my signature. Letters were sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I sent all letters through certified mail. I have documentation that the letters were received. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Klarna AB
State: GA

Complaint narrative:
Today, XX/XX/21, I tried to make a monthly payment of {$170.00} due " in 24 days '' from today at app.klarna.com as instructed by their text message to me. I have made payments this way the last 6 months with no issue. I selected Payment options, to make the " minimum payment due '' and " pay with a card ''. Again, I have done this the last six months with no issues. The web browser, instead of taking me to a screen to enter my debit card information, said " Payment failed We could not process your request, please try again later. '' I had to initiate a chat with someone at the company who advised me that they made a change in their app that was causing a lot of frustration to clients because they could not pay. They advised me to uninstall the app and reinstall the app to fix the problem. However, I informed them that I was using the web app. I asked if there was a number I could call to make a payment. They then advised me to call XXXX. The person on the phone said they were not aware of app.klarna.com but they could not take any payments over the phone. This seems like it should not be allowed. If they are having continued issues with their web app/app development and I can not make a payment, what is the back up method? It seems they don't have one. And so if I am late in my payment due to no fault of my own, this could affect my credit. I am not sure if this is the correct place to report this or if my selections on the option tree to get here were correct, but if I were a regulatory authority, I would assume there has to be a way for a company to accept my payment so I don't go into arrears. I will certainly be paying this off sooner than later and no longer using Klarna. Thank you for any help in addressing this issue - not just for myself, but for the many people who have made similar complaints on the Klarna App reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I sent a letter regarding unauthorized inquires to TransUnion. As of today 54 days later I have not received a response as far as removing the inquires all other bureaus have removed these unauthorized inquires from my consumer report and I feel as I'm being taking advantage of and ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within a 30 days gives a reason to immediately remove those items from my credit report it has been 54 days so they should be deleted immediately. I demand that these unauthorized inquires be removed or I will file for litigation for misleading false reporting which is a a FDCPA Section 807 violation.

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 2021-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: GA

Complaint narrative:
The attachment outlines my complaint. 

Social Finance , Inc . 

There are people who constantly spread unproven accusations ; lies and rumors about me as Sofi are allowing them ; as they falsely justify having financial companies take things that belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have talked to the company on multiple occasions and at a point in XXXX or XXXX they had removed it off my credit I have the credit reports proving so but then It is back on and I never have had a credit card. This is stolen Identity I have made a complaint Last XX/XX/XXXX and they still haven't shown proof that I had this card they said it was an online thing and they bought this debt from someone else I never had this and I want it removed. They have been messing with me being able to purchase a better vehicle and a home I've told the credit companies its fraud and I wanted proof and as I said it was removed yet its on here again please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NC

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX and on XX/XX/XXXX requesting that TransUnion & XXXX provide me with the signed document proving the debts where my debts but they have failed to provide this information. They send me letters saying they verified the debt but have yet to provide me with the signed contract to verify the debt and I am requesting that they remove the negative and erroneous accounts on my reports due to not having sufficient evidence in this case of fraud.

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

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 2021-02-02 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: NY

Complaint narrative:
Equifax has on my credit report from what i can see a XXXX  acct ending in XXXX i have attempted to dispute this account as over 7 yrs old and when i file a dispute it updates their system as date last reported as todays date starting the whole 7rs wait over again. then when i spoke with their representative i was advised 2 things first i was told i have 2 accounts which i dont see 2 on my report then i was told that it was part of my bankrupcy which it never was since the last reported payment was XXXX. is account may have been back in XXXX but its been closed for over 12yrs and i want this report remove from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My current lender is " LoanCare '' and I am going through a refinance with a different lender. I have reached out to LoanCare about 15 times between XX/XX/XXXX and XX/XX/XXXX to learn how I will be receiving my escrow refund and have not heard from them. Their customer service line hangs up on me and is completely automated so I can't speak to an actual person. I have sent multiple online inquiries for which I have not heard a 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 2021-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I submitted a payoff statement for a second mortgage that was attached to my home XX/XX/2020. Upon receipt of the funds, the mortgage company informed me they would be releasing the lien associated with that second mortgage ( see payoff statement.eml ). 

My new mortgage company scheduled a title signing date ( XX/XX/2020 ) for the new mortgage based upon this information. On XX/XX/XXXX, the Title company reached out to inform the new mortgage company that the second lien had not yet been released ( see attached email Title Signing.eml ) I called multiple times in XXXX ( according to my outbound call history, XXXX, XXXX, and XX/XX/XXXX ) inquiring as to why this lien was not released, but nobody was able to identify that it was not released until the XX/XX/XXXX call. At that time a rush order was placed to get the lien released, and it was released by XXXX. 

During this time, I was continuously being charged for my existing mortgage for XXXX a month. Given the dates, the mortgage extended two months beyond where it should have, as this was the only blocker from us signing with Title on XX/XX/2020.

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: IL

Complaint narrative:
on XXXX2021 i filed a police report for unauthorized transactions on my debit card with Netspend they have refused to refund my funds they police have surveilleance and the card is still in posession My name is 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 2021-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP
State: OH

Complaint narrative:
Have car loan with Key Bank due date is XXXX of month began getting calls on XXXX received 2 calls advise them payment will be made on line on XXXX i have a 10 days grace on XXXX i received 3 more calls again told her payment will be made on XXXX on website. on XXXX received another call was told nothing notated on account. Called Key Bank was transferred to collections department was again told no notes on account informed her i just spoke with someone at XXXX XXXX and told her payment will be made on XXXX. She said she would note account so calls would stop Ask why i'm getting so many calls she didnt know why

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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:
on XX/XX/XXXX I submitted a dispute via certified mail to experian noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or 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 2021-02-02 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Over the past couple of months my business ( fleet ) credit card for gas purchases has fallen victim to a number of fraudulent charges that have posted to our account. The fraud protection system that the card uses flagged these as potential fraud and emailed me to confirm or deny the charges. In every instance I have responded that the charges were not authorized, and the card company blocked the compromised cards and issued a new one. When I received my statement I noticed that we were still charged for the fraudulent charges despite reporting that they were not authorized. I called the credit card provider earlier in XX/XX/XXXX and was told that even though we already reported the charges as fraudulent that we still had to submit a transaction dispute after the fact. I submitted disputes for 4 charges on XX/XX/XXXX and 2 more on XX/XX/XXXX. For each of those disputes I received notices back a week later stating that we will not be credited back for those charges because we have more than 10 cards. Today I have submitted disputes for 3 more charges and I have 3 more to dispute, but the card provider 's website seems to be down. I expect that the responses will be the same as those I have already received. Since the beginning of XXXX we have flagged {$1300.00} in fraudulent charges that the card provider has not credit back to us. Dates and amount of those charges are as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00}

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 2021-02-02 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo manipulated my fraud dispute. I had two issues. First, I had recurring payments of {$2.00} that I didn't see. I also had a large purchase which was unauthorized. I called Wells Fargo about the larger unauthorized fraudulent purchase when it had overdrawn my account by about {$200.00}. The representative didn't follow my instructions. She issued a claim for only the three instances of {$2.00}, and due to a loophole of 60-day window for fraud claims, she intentionally omitted the larger, and most recent fraud claim. This was considerably larger and not my purchase. Wells Fargo subsequently refused to refund this larger claim citing the ability to only process 3 unauthorized charges. They then never gave me the money back, expected me to come up with the funds, and since I don't have the money, my account was closed and sent to collections for a fraud purchase I never did.

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 2021-02-02 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: FL

Complaint narrative:
I have now submitted 4 different dispute letters to Equifax regarding accounts that I do not feel are accurate ; these were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also filed a complaint against Equifax on XX/XX/XXXX with the complaint ID number of XXXX, which in return their response was that more information was needed ; which if they had reviewed the 3 different disputes I've submitted, they would see that they have the information they're asking for!

Company response to consumer: Closed with explanation