vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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:
In your response to complaint XXXX. You are still as usual sophisticated. And do not answer questions. I filed a complaint on XX/XX/20. To this day I have not received the answer. You're just ashamed to admit your mistake. And do not want your answer published. But I will make sure to publish it as soon as I receive it. Please respect the dispute immediately. And without any stories and legends. To the public. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My ex husband used the automated IVR phone system for Comenity Bank to obtain my current credit card balance and last payment information to use against me. He knew my phone number, address and last 4 of SSN to use the automated system to obtain information he is not authorized to access. There is no way via the automated system to block him using any additional security measure, like a PIN, to deny access to this private information. If he calls into a live rep, I have added a password to deny access. He can not use the website since he does not have login information or the account number. He has not been an authorized user on this account for over a year and not authorized to obtain any information on my account. Because he knows my personal information, it is not considered fraud for him to obtain this information via the automated phone system. If there had been that one extra step of PIN validation, I could have blocked him from access my personal information. By obtaining balance information, he is able to determine when I make purchases on the card and available credit. He owes me for a majority of the highest balance on my credit card he racked up while we were married. The current balance on the card is much less than what he owes since I've been paying it down to improve my credit score, yet he mistakenly believes this balance is the actual amount he owes and he won't pay me the amount agreed in the divorce settlement. He is using my own information against me. From Comenity Bank records, he accessed my account via IVR on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent or knowledge. He was removed as an authorized user on the account in XX/XX/XXXX, and we were divorced as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a notification from my bank regarding the deposit of the stimulus check and unemployment benefits. On the day, I called Chase to request 2 overdraft fees to be waived due to financial hardship caused by the pandemic. I was awarded the request and advised by the female representative that I could call to request assistance as long as it was covid related. Once I verify my bank account on the app, I noticed that there was another deposit made by chase that is labeled " Govt. Stimulus Chase 30 day Overdraft Assistance ''. I thought, " wow, is awesome that chase decided to help their clients during these times ''. I proceeded to see how much I had available in order to know how I would be distributing the funds. I had rent, phone, utilities, car, credit cards past due. On XX/XX/XXXX, Chase sends a secure message to my account indicating that the funds deposited as " assistance '' had to be paid back within 30 days. By the time I read the message, 2 weeks had passed as I was dealing with my financial crisis as well as my health. On the XXXX, chase sends another message to the account indicating that on XX/XX/XXXX, the funds given would be deducted from the account. I responded to their message today XX/XX/XXXX, but I would receive a response within 2-3 business days. I decided to call once I sent the message. The representative who assisted indicated that since they had notified that would have given people time to call and return the money. Right now all chase is offering to do is charge the account on the XXXX of XXXX and not charge any overdraft fees for 3 days to give time for the funds to be placed in the account. At the moment, I am still waiting for unemployment to pay out for 4 weeks. I do not know when they will be deposited since the department of unemployment indicated they would pay during the last week of XXXX but XXXX is only 3 days away. Another issue this brings is the dubious and shady actions of chase Bank to place funds in an account and label it as some form of assistance being provided to then be informed 8 days later that it was actually a loan placed by the bank without consulting the consumer. I am calling it a loan because their wording was misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I XXXX XXXX XXXX opened a bank account to begin receiving social security in XXXX XXXX at Wells Fargo XXXX XXXX XXXX, XXXX XXXX, CA. I used the very first deposit to move to the XXXX XXXX to look for housing. I spent quite some time in XXXX homeless and used the branch on XXXX and XXXX XXXX, ( across the street from the library ) My payment was there on east coast time. However, when I got housing and moved to XXXX PA, My money would bounce to California first and I could not use the funds until noon or later on some paydays. The Wells Fargo has been using two different account numbers for my money. I am poor and only opened one account. The XXXX stimulus check hit a different account number than I have in PA, but I could use the funds late. But now, Wells Fargo notified me of closing my account several months ago, because I disagreed with them, I changed my direct deposit to XXXX XXXX. Now social security has been paying me through XXXX XXXX. But Get My Payment from the IRS shows that the second stimulus check of {$600.00}. went to the same account of Wells Fargo as the first one. An account number that is not the account number I had in PA. I have no bank statements from this account number ending in XXXX. Also I do not know of any monies in that account or activity of that account. My phone no. is XXXX. 
I would appreciate all attention given to this matter. Wells Fargo is often in the news for fraudulent accounts and activities. My back pay from Social Security according to the Administrative Law Judge may have been compromised or stolen.

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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: PA

Complaint narrative:
On XX/XX/2020, IQ Data International reported a balance of {$710.00} on my credit report. I was never notified of this debt prior and was informed by original lender that my balance was paid. In addition, I was informed that if I paid the balance then the collection will be completely removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i have a fraud account on my XXXX XXXX report from bank of america and i want it removed and blocked from reporting under the FCRA and XXXX XXXX is refusing i have an id theft report from the ftc and police report i sent them

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 2021-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
I currently have SPS Servicing as my mortgage company. At the beginning of two years ago, my husband was diagnosed with a XXXX and has not worked in 4 years. I have applied several times for a modification due to my household income reduction. I was denied, so I continued to struggle and make payments. Later COVID-19 happened, I was only one month behind I did a forbearance for Covid relief. Before I agreed I asked would I be required to repay all at once and I was told no on a recorded line. After the 3 months was up they told me to submit and appliactaion for repayment plan. They denied the application saying the status of the loan??? I feel I have been wrongly and unfairly treated by this company. 

Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: OH

Complaint narrative:
I had sent a complaint to you ( XXXX ) regarding EQUIFAX. They answered our complaint by finally giving me access to my credit report by sending me a copy. They did not answer how my account was frozen. 

In receiving the copy of my credit report from EQUIFAX I found items that need to be disputed. My attorney has provided dispute letters ( attached ) to be used for the dispute. I am asking your help in this matter because I am afraid it will not be addressed by EQUIFAX or that it will get lost in the mail. 

Please help with this matter, and let us know if you need further information. 

Thanking you in advance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/XXXX I thought I was paying off my last payment off my Barclay credit card. I only used this credit card to pay off my phone. I paid off the last of around XXXX dollars and assumed my credit card was paid off. Unaware I was still being charged and in three months the credit card had apparently accumulated over XXXX dollars in charges, yet I did not know of this until I received a letter in the mail stating that I was past due on my bill after 90 days of not paying. That was the only communication regarding this account that I received and did not receive a letter after 30 days nor a letter after 60 days. I called the Barclay around XX/XX/XXXX to try and resolve this problem and spoke to the representative after receiving the letter to figure out why I was being charged and if someone might have been using my credit card. The representative removed the charges, but I had to pay for the late fees which I took care of right then and there and asked if this misunderstanding would be sent to the credit bureau which he stated it would have not and that my credit will be fine. My credit score stated that I had a serious delinquency stating I missed multiple payments after 90 days. I called Barclay multiple times around XXXX XXXX XX/XX/XXXX after I found out this stayed on my credit report but would be hung up on multiple times, multiple representatives stating they are not sure how to help me or circling around my questions and when finally talking to a supervisor regarding my situation seeing that I closed my account along with the misunderstanding regarding the situation, I was told not to contact the credit bureau as well as told to send a letter regarding the situation. I was confused at this point because I explained the situation to the supervisor and she not only see the account was taking care of but could have gone back into my account and look back on payments made and how things went wrong but instead told me to write a letter for them to report to the credit bureau. I contacted the credit bureau myself specifically XXXX  since XX/XX/XXXX and they were very helpful and tried to do everything in their power to help me in whatever way they could. Looking at my credit report I have always paid everything on time along with having a good credit history and so why would all of the sudden I would miss three months worth of payments? All I want is for this to be resolved I am planning on going to graduate school to become a physician assistant along with planning to one day have a family so I would like to not run into problems in the future because of this misunderstanding.

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 2021-01-27 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: AL

Complaint narrative:
Equifax said they could not find my credit file due to they need more identification proof in the form of social security id, paystub, utility bill, and W2 to complete investigation. I will attach a copy of the identification proof in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Concord Servicing Corporation
State: TX

Complaint narrative:
I received a letter from the debt collector that If I paid {$1000.00} to the account the balance will be {$0.00} and the collection be removed and shown as paid in full It still remains on my account with a balance no change I have sent the document to verify this communication with and it still remains

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 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I have a collection on my report from Wakefield and assoc.in the amount of XXXX.that has already been paid off.have an email from them that says it's paid.trying to get that collection off my credit report.its on both XXXX  and XXXX.thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: FL

Complaint narrative:
On XX/XX/XXXX reached out to Equifax with a follow up on XX/XX/XXXX about a dispute and have not gotten a single response. 

XXXX Balance inaccurate. This account has been transferred and reported with a balance of {$6100.00} on Equifax but on XXXX it shows {$0.00}. No information reporting on who it was transferred to. This account has already been removed from XXXX. Why are you still reporting it? 

Please delete this inaccurate account immediately. 

XXXX XXXX information inaccurate. High balance on Equifax shows {$22000.00} with a balance owed of {$20000.00} but XXXX and XXXX report a high balance of {$23000.00}. Why would you have a different balance then the other 2 credit reporting agencies. 

Please delete this inaccurate account. 

XXXX XXXX XXXX  Payment status inaccurate reporting Late 120 days late on a Collection account with a past due balance of {$450.00} and no original creditor reported on Equifax. Which is a violation. 

Please delete this inaccurate account immediately. 

The original creditor XXXX XXXX XXXX with account number is also reporting this account which is causing duplicate derogatory accounts on my credit report. Which should automatically have both removed. 

XXXX This account has inaccurate payments being reported and payment status. Payment status of Late 120 days with Four - 90 day late payments with only 1 late payment starting with 120 days in XX/XX/XXXX while XXXX reported 90 days late in XX/XX/XXXX. 

Would like these unverified late payments removed. 

Attached are copies of my original dispute and identification that was sent to the Equifax with Certified copy of mailed delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
I called Vanilla Gift Cards XXXX XXXX XXXX XXXX XXXX, on XX/XX/2021 at XXXX, my call lasted for about 16 minutes. I spoke to customer service regarding a scam that I was apart of involving their gift cards. I explained that a person hacked my bosses email address and pretended to be him and instructed me to purchase 5 gift cards all {$200.00} each, totaling {$1000.00}. The customer service rep was a women but I did not get her name. She then asked me to read all of the cards off to her, and then told me some of them were not used yet. I asked her if she can stop the cards from working and she literally told me there was nothing she can do. Which I find strange, because if you lose a giftcard they are able to stop the funds on a lost card and send you a new card, but she somehow couldn't do the same for this. So, I literally had to watch the scammer just use my money that I still could have stopped if she had done something. She then told me that a dispute packet would be sent to my email address within 10 minutes, and she provided me a case number. I asked her how long this would take to dispute and she told me 90 days. Her dispute team would have to call the merchant and that would take 45 days and then if they agreed with my case they would send me a check. In the dispute packet she told me I would be able to send the emails that this scammer sent me to help my case and then I would be able to tell them if I wanted a check or gift cards in the amount that I was scammed. So the call ended and I kept checking for the dispute packet and I never got it. I checked my spam folder as well and never got it. 

So an hour later I called them back Wednesday, XX/XX/2021 at XXXX, this call lasted 17 minutes. I told the customer service rep everything again, and mentioned how I never received the dispute packet that the other CSR told me I would get in 10 minutes. She asked me to check my junk, nothing, and then confirmed my email, which I did. She then told me the packets take 24 hours to get to our email. So clearly not consistent. She asked me to read the gift cards off to her to check my dispute and NONE of the gift cards, but ONE was recorded in my file. If I even have a file. I asked her if I am disputing all of these gift cards why is only one recorded and she said they all go together? excuse my language but XXXX. 

She told me after 24 hours I would recieve a packet, she went over all of my information and we hung up. Well it's a week later and I have no packet. I have messaged this companies XXXX account to get help and nothing. 

They do not help their customers when they easily could have stopped the payment on the cards THAT STILL HAD MY MONEY ON THEM and she let the scammer continue using them. I am applaud that this company is still in business, they don't help you at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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:
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 XXXX! This is very inconvenient on my part!

Company response to consumer: Closed with explanation