vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter on XX/XX/XXXX, like 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: WV

Complaint narrative:
I have sent several request to I.C. Systems requesting proof of this debt, via certified mail. I requested that they show proof of signature and contractual Obligation that I owe them. First letter was sent on XX/XX/20 and was received by there office on XX/XX/20 @ approx. XXXX. The second letter was sent on XX/XX/20 and was received by there office on XX/XX/20 @ approx. XXXX. To wit, I havent received any letter, showing proof of this debit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/20 XXXX charged a {$40.00} late fee because my phone payment came in about an hour late after their XXXX XXXX  deadline. The payment was made on the XX/XX/20 deadline. Not sure their fixation with a time deadline, other than a way to scheme an exorbitant amount from consumers. I called the company about waiving the fees they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
From the beginning of my car loan, citizen one bank made it difficult to do autopay. I had difficulty applying it and spoke to multiple representatives on the phone in regards to this issue. I have all my bills on auto and I consider myself a very responsible adult when it comes to finance. However in late last Late XXXX when I lived at my old address, I was told by a representative over the phone in XXXX I can do autopay on their site. Before this, Citizen one 's bank mobile app did not work to setup autopay nor did their actual website allow for this option and it was always an issue. I had no other way but to pay when I was called by an automated phone call by citizen saying I have to pay my bill. This frustrated me because this is the only bill I had like this and I wanted autopay. I was told in XXXX I will be setup on autopay and I was walked through how to do this by a representative and confirmed it was applied correctly. I paid my bill and setup the autopay on their old www.citizenone.com URL. I did this and set my bank account up this and let it go as of all my other bills and I make sure I have more than enough money in my accounts each month. I moved in XXXX to my new house so I did not receive mail for a couple of months but I made sure I had money in my account and everything was fine. I sound got letters at my new address saying that I was late for a couple of months. I immediately called and tried to figure out what happened and explained to them I had this setup from one of your reps what happened. They told me they have had an issue with their old autopay and website and switched it to https : //www3.citizensbankonline.com/ With no warning to me. So apparently it wasn't applied. I was extremely upset. However I paid everything and made sure my account was current. And ask to have it corrected. I was told that I can only have it corrected by sending letters to their credit department. This was back in XXXX. It has now XXXX. I have sent letters myself. I have hired a credit repair company, XXXX XXXX in XXXX only to be ignored and to pay over 600 dollars at this point to correct their misapplied autopay function. I have paid on time for 6 months after the fact with autopay and they still will not work with me. It has ruined my ability for financing for my business, refinancing for my car, new credit and I have lost my entire business because I could not receive financing due to this sole issue. When you look on the credit report the late payments are even inaccurately applied on my credit report. The days late to not match. Please help me correct this. I foolishly did not write down the names of the people I spoke with but I put screen shots showing how the mobile bill pay does not work still to this day and how consumers are told to register at that old www.citizenone.com URL when it is now the https : //www3.citizensbankonline.com/ URL I sent you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Grant & Weber
State: NY

Complaint narrative:
CONTINUING TO CALL ME AFTER HAVING BEEN SERVED A CEASE AND DESIST LETTER PURSUANT WITH THE FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I have sent letters certified to LVNV Funding LLC and requested they show proof of signature and contractual obligation I owe them any money, to wit they failed to comply. I sent first letter out on XX/XX/20 and they received the letter on XX/XX/20 @ approx. XXXX. The second letter was sent on XX/XX/20 and was received by there office on XX/XX/20 @ approx. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: NV

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells fargo is doing nothing but lying to me and I got them the proof of insurance I want mediation aI have asked for2 months Iwant it now/.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
TCF Bank has locked me out of my online banking. They give me a number to call to fix it, but I can't fix it with the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: DISCOVER BANK
State: MS

Complaint narrative:
My credit card information was used to charge XXXX + XXXX = XXXX on or around XX/XX/2020 by a guy name XXXX XXXX. i did not authorize these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
TCF demands that you have an account with them now to cash a check drawn on their bank ( more specifically, a former Chemical Bank location using old Chemical Bank checks ). 

If it's a check drawn on the bank, you shouldn't have to have an account with them or have them keep your funds for 24 hours before releasing to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have no knowledge or information about this company and have no contractual obligations what so ever with this company. This company is in violation of FDCPA/ Federal rules of civil procedure. They are reporting this false information and trying to threaten me. 

I have no knowledge or information of any such account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I filed a dispute on XX/XX/XXXX due to a cancellation of a reserved trip from XXXX because of XXXX. I was charged {$440.00} on XX/XX/XXXX and XX/XX/XXXX, a total of {$880.00}. I filed a dispute with my bank on XX/XX/XXXX. After months, it was denied and they did not explain why. I want to reopen my case from my bank Wells Fargo and turn in paperwork of proof of my payments. 
I had another dispute case from them for the same reason. This dispute was for {$900.00}, became a provisional credit and eventually became permanent. I do not understand why this case was approved and the other was denied when all charges came from the same merchant, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There two fraudulent accounts that Experian is currently reporting on my credit file.One is XXXX Account number XXXX Credit limit {$6100.00} Balance {$000.00}. The other one is XXXX XXXX XXXX XXXX XXXX limit {$6000.00} Balance {$000.00} Both accounts are closed. I dont own these accounts I believe that those accounts are due to fraud. I have contacted Experian several times asking them to block those two accounts and or remove them from my credit file, since the accounts are due to fraud. Unfortunately Experian is not responding properly I have been asked by Experian to upload supporting documents on their website which I did several times, after each upload I call Experian to get confirmation but theyre keep telling me that either the upload was not successful or its only been uploaded partially. After unsuccessful uploads I did certified mail, After several mails they have finally confirmed receipt of documents. However those two accounts are still reporting on my file and Experian is not giving me a relevant answer why are those accounts can not be removed or blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/2020, I called and requested a copy of my Consumer Disclosure Report and I only received 2 pages from LexisNexis by mail. One page was an introduction page and the other page was intentionally blank, still no copy of my report. However, I called again on XX/XX/2020, and requested a copy of my Consumer Disclosure Report and LexisNexis mailed me only 2 pages. One page was an introduction page and the other page was intentionally blank, still, no copy of my Consumer Disclosure Report I requested after a creditor ( XXXX XXXX XXXX ) used their services and I was denied new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: MI

Complaint narrative:
Status history from 20 accounts deleted from record while account is showing " CLOSED '' and they are still charging interest. Status history dates back to 15 years, status history shows all accounts are " PAID '' within student loan database. 

attached as proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: MI

Complaint narrative:
Status history from 20 accounts deleted from record while account is showing " CLOSED '' and they are still charging interest. Status history dates back to 15 years, status history shows all accounts are " PAID '' within student loan database. 

attached as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Vital Solutions, Inc.
State: WA

Complaint narrative:
Hi, For a long time I have been experiencing harassment on the phone with calls all day long. It is Vitaly Ricovery who calls me to try to collect a debt which they are not able to validate. In fact, on XX/XX/XXXX, two weeks after they contacted me, I sent them a debt validation letter. They did not properly validate the debt as required by law, so on XX/XX/XXXX, I forwarded a second letter asking them to validate the debt he accuses me of. They haven't sent the letter since XXXX, but I was surprised at the beginning of XXXX, three months ago, that Vitaly Recovery resumed with calls. It's too much now! They are unable to validate the debt and that does not give them the right to harass me at any time on the phone. I don't even recognize this alleged debt. I have attached the receipt return service requested as a proof they received my debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation