vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-03-28 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: GA

Complaint narrative:
I am writing this due to non compliance with the XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: GA

Complaint narrative:
I am writing this due to non compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-28 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: CA

Complaint narrative:
Back in XX/XX/2019 I was preapproved for a Victorias Secret credit card I applied and then I received a letter in the mail saying my application was denied because my information didnt match what they had on file so I left it alone but then they started sending me bank statements in the mail and I dont see why if they denied my application, also I purchased items but never received them I also did a dispute with them about that but still havent heard anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Minto Financial dba Minto Money
State: AZ

Complaint narrative:
I checked my bank account and noticed my account balance was higher than expected. I received a deposit into my personal checking account for {$750.00} from Minto Money. This is a loan company that I have never used before and only found out about  after researching the name of XXXX because of this deposit. I have two emails one at XXXX that was in my Spam folder saying I was approved for a loan and to click to e-sign. The second email, also in my Spam folder, was at XXXX stating my loan had been processed and approved. I was currently sleep at the time this all occurred. Throughout the day I never received any phone call stating I received a loan and I did not receive an emails to my main inbox stating anything regarding this loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
Hello, I'm not turning to the CFPB to aid me in finally recovering from this nightmare. I'm being asked for {$430.00} for a hospital bill that does not belong to me. I have not been to any hospital and ever since XXXX, me and my local police department have been trying to remedy the situation. 

I'm not sure what's going on, but I've gone back and forth with the hospital. Following sending them my I.D . and documents, they ceased to respond. What's going on now globally does not make this any better. 

Please aid me in recovering from this tragedy! At this point I am just ready to sue the bureaus and collectors involved. I've reached out to the creditors as well as to the bureaus. What 'was incorrect ' was removed, excluding this 1 creditor. I did send a certified letter with tracking in XXXX. And aside from that, have sent it to the bureaus. 

Please remove this ridiculous account from my credit report immediately. It's such a ridiculously small amount, if it were mine I would've paid it! I base a salary of {$70000.00} a year. This is NOT my account!

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 2020-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I've reached out to " I.C. SYSTEMS '' and they aren't responding. Guess what? Neither is the original creditor, XXXX XXXX XXXX. Last I spoke to the representative, they stated they didn't have to answer to me because the debt was no longer there's - and to reach out to IC SYSTEMS INC. 

This is another fraudulent account. I did not open this account and have told the police that I'm certain a family member or someone who knows me opened this account. Unfortunately I can't prove who - but all I was sent was invoices. 

This isn't my account. I've informed creditors, collection agencies, and the bureaus. This account is the only one that remains! I am prepared to sue this collection agency.

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 2020-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Activehours
State: PA

Complaint narrative:
This happened on XX/XX/2020. Earnin took XXXX dollars out my account and I did not have the money in my bank account which it made it become over drawn and they are refusing to let me cash out the XXXX dollars to make my account good again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
Informed this collection agency that I never signed a contract with the original creditor. This is NOT some ploy. I really did NOT open this account! There are no grounds legally, leading to me, stating or proving that I opened this account. No sufficient evidence that would stand in the court of law exist. I mention this because, that's our next destination. I am prepared to sue, my lawyer is prepared, and I'm merely following the instruction of both my attorney and my local law enforcement. 

I've reached out to both creditor and collection agency informing them that I was a victim of a bad case of identity theft. They are now the only ones who refuse to even RESPOND. I sent sufficient documentation to both them ( original creditor, and collection agency ) to prove to them that this was not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I was rushed into a loan of {$1200.00} that has fees and interest adding up to a payback amount of {$6300.00}, Interest is charged daily with payments of {$150.00} weekly taken directly out of MY bank account. I was not able to access the terms because an old email address was used for the loan which was offered in a text as emergency funds to help with the coronavirus pandemic currently occurring. The only way to gain access to the loan terms was to create an online account with this old email. No texts, no emails were sent with loan terms, payment information or that my bank account would be used to directly deduct weekly payments totally {$6300.00}. I did not know any of this until the first week payment was taken out of my bank account. I will not have enough funds to cover the weekly payment in two weeks time. The loan was offered to me as emergency shelter in place funds during the Coronavirus Pandemic that is currently going on. They know I am not allowed to work, I need the money for food and shelter but I am only using the money to pay the interest and fees that has turned a {$1200.00} loan to {$6300.00} loan! This emergency loan has not helped but made a life threatening situation worse with the added stress of having to find the funds to pay back the loan instead of for food, shelter, heat, and basic life expenses. As I starve to death, please enjoy your blood tainted interest payments! I thought I would have months to pay back not weeks, 41 weekly payments of {$150.00}. There is NO way for me to pay this back without working and without being allowed to leave my home but you are welcome to have a pound of my dead rotting flesh. I was not told the terms, I could not access the terms until I called and got a rude operator who was not helpful I had to piece it together myself, I would like this to stop this from happening to other people. If I do contract the virus and die, these are the vultures that have dug my grave and someday you WILL ANSWER TO GOD!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX my sister called to inform me that she was contacted by a debt collector on my behalf. After calling the number provided i was informed by a woman named XXXX XXXX that i was to be sued for a negligent account from wells fargo from XXXX. If i were to pay now, a sum of {$1300.00} over payments of {$200.00} a month, i could settle the case and not be prosecuted legally. I signed a form they submitted me via docusign. 

I agreed to sign the paper. I now suspect i was lied to. I submitted the document with my signature and provided my debit card information to be charged monthly until the debt is resolved. I have so far paid {$250.00} to this " debt collector '' but now suspect i am being scammed. After doing some research into the company, i am now confident in making this report and identifying these collectors as criminals. The letter head of the document reads : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ca XXXX XXXX I will be calling this " XXXX XXXX '' at XXXX XXXX XXXX  XXXX to inform them of my filed complaint.

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 2020-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I learned there was a outstanding collection on my credit score report that I was absolutely not known of. I checked my credit card report at XX/XX/2019 and I contacted bank to explained the situation. At first they mentioned they was trying to help me with involving their fraud department. My call was being transferred for 3 person and they told me there is nothing they can do about it. Suggest me contact collection agency directly. I stopped follow because that was never my charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: CA

Complaint narrative:
On XX/XX/2020 at I sent certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that EXPERIAN used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. Out of 16 requests for verification of accounts. ZERO items were deleted. I requested for EXPERIAN to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/2020 I sent a second certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. I received written communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. I received the same results as the previous EXPERIAN communication. FCRA requires EXPERIAN to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation EXPERIAN received and used to verify the information being reported and maintained in my file. EXPERIAN must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
American Express SERVE suspended my account with XXXX in account. Both my last payroll and Social Security check. No way to access or talk to anyone. Call customer support and get automated " suspended permanently ''. Can not get money out, pay bills, order food, get meds. I am XXXX and in quarantine. Absolutely not a XXXX on me. Tried XXXX, XXXX, and am told to call customer support. Can not log in to get info if my money is still there. I have no idea what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid for a service to protect my credit for a trial of seven ( 7 ) days with the right to cancel in 7 days. I tried to cancel on XX/XX/2020 before XX/XX/2020 according to the agreement or else they will deduct from my credit card for 12 months. 
When I tried to cancel online it would not accept my login information. 

I got a message to call customer service they claim their system would not allow them in because I had tried earlier that I had to mail or fax a copy of identification with my social security number and address to them. 

Now it's gone from just login to cancel to call customer service to to mailing or faxing in my personal information to cancel their program before XX/XX/2020. 

I sent them an email 3 times but I got a generic response. One said they are overloaded because if the virus and will get back to me as soon as they can. 

Another email on their site response sorry we don't have that product. 

The latest this morning when I tried to login their site an Oops popup. 
If you ask me a scam is being run concerning cancelling, getting your card identification and wanting me to fax or mail in my information to a p.o. box in XXXX, georgia. 

MY AGE BRACKET WAS TOLD NOT. TO GO OUTSIDE FOR ANYTHING. I DON'T HAVE FAX MACHINE NOR A PRINTER TO MAKE COPIES OF MY ID AND ADDRESS AND SOCIAL SECURITY NUMBER FOR THEM TO CANCEL MY MEMBERSHIP BEFORE THE CANCELLATION DATE. 

IT'S ALL A SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX STATEMENT. See transactions XX/XX/XXXX - XX/XX/XXXX {$810.00}. {$120.00}. & {$210.00} subtratcted. XX/XX/XXXX XX/XX/XXXX MERCHANTS CREDITS. The remaining balance AFTER MERCHANTS CREDITS was {$470.00}. KINDLY NOTE MERCHANTS CREDITS {$340.00} ARE THE ONLY CREDITS for period XXXX XXXX attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} I REPORTED UNAUTHORIZED ( KINDLY NOTE THIS * DID NOT INCLUDE {$340.00} CREDITED BY MERCHANTS. ) See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX WAS NOT REPORTED FRAUD XXXX XXXX see attatched XXXX STATEMENT KINDLY NOTE ( the credit deposited at beginning of the investigation have been reversed ) ** USAA REVERSES MERCHANTS CREDITS OF XX/XX/XXXX ON XX/XX/XXXX ( WITH NEW CHARGES ) forcing me to buy back two items that were picked up at store and returned at store and CLAIMING THEM TO BE USAA CREDITS. See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$210.00} ( the credit we deposited at the beginning of the investigation HAVE BEEN REVERSED ) AGAIN KINDLY NOTE THERE ARE NO USAA CREDITS XXXX XXXX see attatched statement of XX/XX/XXXX ** USAA REVERSES MERCHANTS CREDITS {$210.00} OF XX/XX/XXXX XX/XX/XXXX STEALING XXXX MERCHANTS CREDITS CLAIMING THEM TO BE USAA CREDITS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: U.S. BANCORP
State: IN

Complaint narrative:
I have a Fidelity Visa Card issued through Elan Financial Services. My credit limit is {$25000.00}. I reached my credit limit on XX/XX/XXXX. The payment due date is XX/XX/XXXX with a payment amount of {$11000.00} due. I made payment on XX/XX/XXXX of {$11000.00}. I did a direct payment out of my Fidelity money market account to the Fidelity credit card on XX/XX/XXXX. On XX/XX/XXXX the money was taken out of my Fidelity money market account. The Fidelity credit card is still frozen as of today, XX/XX/XXXX. 

I called Elan Financial and they said I have to wait 7 days before they will let me use my card. The money is in their hands NOT mine. I am now stuck with no ability to use my card even though i have made an EARLY full payment 5 days ago. I do NOT have my money and Elan does ; however, they refuse to let me use my card. How is this allowed?

The upmost irony is this is a Fidelity card, paid electronically with a Fidelity account. I no longer have {$11000.00} and they do but they will not unfreeze my account for 7 days. 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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/2019 transactions all XX/XX/2019 credits total {$470.00} ARE REVERSED See attached XX/XX/2019 STATEMENT XX/XX/2019 ( NEW ADDITIONAL CHARGES OF {$470.00}. ) WHY?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: GREAT WESTERN BANCORP, INC.
State: AZ

Complaint narrative:
I have a Great Western Bank Checking account, over 2 years ago I asked to opt out of over draft protection, the bank told me I couldnt do this, which Im now seeing was a lie. Since that time Ive paid over 1,000 in  overdraft fees my account once again became overdrawn and I am attempting to close it. The day I notified the bank I want to close my account it was XXXX overdrawn, I indicated I wanted to negotiate the balance I owed considering I was lied to about not being able to opt out of overdraft protection years ago. I was told over the phone to send a letter to an email address. I have did so on Monday and I still have not heard from anyone at great western about the account. It is now over 200.00 overdrawn.

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 2020-03-28 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: DE

Complaint narrative:
I have repeatedly tried to get my credit report updated. The last dispute was XX/XX/XXXX. The results were once again deemed as accurate. This account from XXXX XXXX  has not been updated since XX/XX/XXXX and is now charged off. However, this account is still showing as open and this is adversely affecting my credit score. I have contacted XXXX XXXX on several occasions as well. They indicated that the account was sold to XXXX XXXX. This was never updated on my credit report and is still showing open and owned by XXXX XXXX. I have tried repeatedly to have this corrected and this has yet to be done by Transunion.

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