vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a formal complaint against Wells Fargo Bank XXXX located in XXXX, AZ. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo Bank XXXX  has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-04-15 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: IN

Complaint narrative:
I called XXXX stating my card was stolen. I have called almost every month or so since then. I requested a statement of the charges to ensure I shut it off in time. I never received the statement. I have called multiple times in the last three years and did not receive the statement. This year feburary XXXX I finally received the statement. They charged me fees on top of fees, refused to allow me to dispute in a timely manner and now show the account 2x on my credit report and show it charged off after i disputed the issues with Experian and XXXX. I have only one account and still have not had help in the matter from the company. They have stated that I should be able to dispute the charges but then never call back to review. They have refused to send me documentation showing they were going to put account into charge off status and never called about the statements I was not receiving. They finally sent a statement for XX/XX/XXXX after I disputed a 3rd time and it still did not show the charges just late fees. I have been on the phone for hours with them, constantly have kept my contact informaiton up to date and they are negatively affecting my credit score and refuse to help. I have tried disputing the duplicate account and their response is it is correct. I had one account with them period.

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 2021-04-15 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: EQUIFAX, INC.
State: ND

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had Lowes come to my home to measure for carpeting install. The estimator observed and measured the areas of my living room and stairways that we were looking to replace carpeting. He observed the contents of the rooms and the fact that a medical stairlift was in place on the stairway. He advised that the installers would move the furniture and " work around '' the stair lift brackets. The carpeting was ordered and a deposit of approximately {$2000.00} was required. I made the payment and placed the order. Once the carpeting was " in '' I was contacted by Lowes to schedule the install. The date was agreed and the installers arrived at the scheduled time. 

Upon arrival the installers observed the stairlift and living room furniture. They advised that they would not be able to complete the install until the lift was removed and the furniture was removed. I explained that I am XXXX years old and in no condition to move furniture and that the estimator was aware of the contents of the room and indicated the installers would take care of " everything. '' After several minutes of discussions, the installers left and took the carpeting with them. I attempted to follow up with Lowes via phone and driving to the store in person. After repeated failed attempts, I submitted a dispute with XXXX  XXXX XXXX. After 40 days, I am still awaiting my statement credit and refund. Lowes has reluctantly offered to come back with a different crew of installers. As an elderly person who was verbally harassed by the first crew, I am not comfortable allowing anyone from Lowes into my home. I have requested a refund as it was Lowes who walked out of my home without installing any carpeting. Once they " quit '' and walked out, I am no longer a customer. I expect XXXX  XXXX XXXX to resolve this dispute and unfortunately getting a live person or any material updates is impossible. I am seeking my refund due immediately. I will be filing a complaint with the XXXX  and AG office for state of Pennsylvania.

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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc.
State: ME

Complaint narrative:
Today,XX/XX/2021. and another day from another number I received a text message stating they were from State Collection Service with no information whatsoever about any debt. I have never received a paper notice from them. Furthermore, they sent a link which they say is " secure '' but scammers also say this. I got a previous text message from the same company but with a different number on XX/XX/2021 with the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: CA

Complaint narrative:
I keep getting harrassed to pay a debt to XXXX. Unfortunately the company doesnt even exist anymore. My debt was originally a little over 2 thousand because of some unauthorized activity was going on behind my back and i had all these open phone lines and active contracts and 4 years later it shows up on my credit report and now my debt is a little over 5 thousand. The accounts been closed for almost 5 years now so why and how is it so much money and why are they still asking for it when the company doesnt even exist anymore. A debt collector called and was harrassing me over it. Im not sure if i was being scammed or not but i was threatened that if i didnt pay it they were going to harm me financially and now its in my collections. Ive asked many times to leave me alone and they refused they would call me in the middle of the night at least 5 times. I jus need to know what i can do legally to take care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: ND

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This is a formal complaint against Caine Weiner located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Caine Weiner has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2021 : I signed up for an Checking Account for XXXX XXXX XXXX. I received a confirmation email that my account application is pending. On XX/XX/2021, I received the conclusion of my account application for XXXX XXXX and they could not approve my application due to my identity. I schedule an In-person appointment at the local XXXX XXXX XXXX  in my area which is today at XXXX, XX/XX/2021. The Banker tried to help me open an account and he stated that he could not open an account for me because there is a company/organization that is blocking me from opening any bank account, which is FCRA ; Fair Credit Reporting Act. I researched about what the FCRA is and it now makes sense I can't get approved for any bank account. I want to clear my name with the FCRA. There was a incident where my identity was stolen and used to open a XXXX XXXX phone plan. I've tried getting a Police Report, visiting the local Social Security office near me and disputing it off my credit report. Unfortunately, I did not get anywhere. I want to open my own checking account and I have been waiting years for this to be cleared off my identity.

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXXXXXX XXXX  Alabama XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The following employers are reporting incorrectly & need to be removed immediately : XXXX XXXX I have attach my driver license for future reference. Please send me notification that these items have been deleted, as well as updated.I acknowledge that the above information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXXXXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The following employers are reporting incorrectly & need to be removed immediately : XXXX XXXX I have attach my driver license for future reference. Please send me notification that these items have been deleted, as well as updated.I acknowledge that the above information is true and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
Security freeze, from SageStream , LLC No response from initial letter, certified-delivered ... XX/XX/2021, ( with proof of identity ) follow up request via computer ... ... ... ... ... ... ... ... ... ... ... XX/XX/2021 Unable to contact company, other than TWICE submitting via telephone request security freeze ... XX/XX/2021 simply need security freeze, and Confirmation of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I had a lease with my roommates for 12 months at XXXX XXXX XXXX in XXXX XXXX, Texas. I was XXXX XXXX military stationed there and received my XXXX  orders for XXXX, a month before the lease was up. When I left I cleaned my room and bathroom, which remained empty. My roommate was staying somewhere else and apparently left a mess. When the lease was up they sent a bill to me and told me my military orders werent XXXX XXXX orders, which they were. I explained in an email to them, with my orders attache, that XXXX orders are treated as relocation orders since I need to relocate to my home of record since Im no longer working up there. They kept telling me I wasnt XXXX XXXX while living there which I was, so it never got resolved and got sent to procollect.

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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: NV

Complaint narrative:
I am trying to qualify for a mortgage. When my credit was pulled, the collection account showed and I was advised to pay it off. Paid it via e-check but now they refuse to provide me with a statement or speak to the credit bureaus to state that it has been paid for at least 30 days. I asked if they can just put a statement on my account that I authorized them to speak to XXXX and advise them the account has been paid but they have refused. I explain that everything has already cleared my account and I just need something in writing to give the credit bureaus but they have refused to update status of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXXXXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The following employers are reporting incorrectly & need to be removed immediately : XXXX XXXX I have attach my driver license for future reference. Please send me notification that these items have been deleted, as well as updated.I acknowledge that the above information is true and correct.

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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I had a debt of {$310.00} to an appartment complex due to a randomly assigned roommate smoking in the apartment and me being charged with a smoking fee. I refused to pay because it was not legitimate but fast forward a couple years and now I am looking to buy a house. According to my lender, simply paying the debt would not raise my credit score but having it removed from all 3 major beauros would raise my scores significantly. I explained this to the representative with whom I talked about payment of the debt. I agreed to pay on the condition the debt was removed from all 3 major beauros. I checked their website for a confirmation and the letter only showed the debt as being paid off, not removed. I called back and they claimed that they can not put the removal in writing as it is against their policy for some reason. When I asked for copies of the phone recordings in order to see if they mentioned this before the transaction they refused to send copies. So now I have no proof other than their word that they actually removed the debt like they claim to have done and am forced to wait 60 days which means I could miss out on an opportunity to buy a home before I have to re sign my apartment lease ( different apartments than the one that charged the smoking fee ).

Company response to consumer: Closed with explanation