vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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: TX

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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:
I've contacted Equifax numerous times about a credit card that was incorrect on my credit report. I was ( without my knowledge ) added as an authorized user on the credit card which had two late payments in 2019. Both XXXX  and XXXX  have both removed the account from my report, but despite multiple attempts ... the account remains on my Equifax report. 
Equifax even asked if I had any supporting documentation ... to which I replied : How would I have any supporting documentation? This was not my account. I've never received a bill, card, or any other info. I only knew about it from it showing up on my credit report when I was working on getting a loan. 
This is, in my opinion, a failure by Equifax to follow the dispute process that a consumer should be allowed and furthermore poor service of their duties to accurately report information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have tried reaching Barclays Card for weeks to settle on a charged off credit card. I went through hundreds of thousands in financial losses over the past three years, but I am taking responsibility and reaching out to the charged off accounts. Accordingly, since the Barclays phone lines do not answer, I am making a settlement of {$2000.00} payable in three payments, {$700.00}, {$700.00} and {$600.00} respectively. I can make my first payment immediately. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NC

Complaint narrative:
File first fraud alert XXXX updated information to identitytheft.gov XXXX Collecting and sharing data without my prior direct consent. 
Inaccurate reporting Deceptive and False acts Adverse Actions against household

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
its shows a lot of late payments on XXXX Iwas never late with satander consumer usa and XXXX XXXX card please removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Submitted dispute on XX/XX/XXXX. Account still shows as disputed and no results. The disputed company has yet to respond after 30 days and the account still remains. I have submitted FTC complaint form and referenced my identity theft affidavit from XXXX where this account was previously disputed and removed by Equifax as a result of identity theft and fraud. This negative account should have been suppressed from re-appearing, equifax is negligent to allow this account to report after previously being disputed and removed. I am a financial victim of covid-19, and a victim of equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have a XXXX XXXX credit card through Wells Fargo Bank. Due to the troubles with the US Postal Service my XXXX bill arrived a week later than normal XXXX. I wrote the check for XXXX that night and put the bill in the mail on XXXX. The due date was XXXX so if the USPS did its job the post mark would have been for the XXXX or XXXX. This is 7-8 days before due. The USPS took until XXXX to deliver the payment. On XXXX Wells Fargo went ahead and charged a {$27.00} late fee and {$14.00} in interest. They cashed my check on XXXX according to my bank website. I called and spoke with XXXX on XXXX at XXXX EST. The company refuses to acknowledge the Postal Service delay Problems and the fact that the check was dated and mailed before the due date. They will not waive the late fees. I have never been late in paying Wells Fargo in years of having this card. I do business with other companies that do not charge late fees if the payment was post marked before the due date even if it arrives late. It appears that Wells Fargo is using a national crises to gouge customers for fees that are beyond their control.

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 2021-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was shocked to learn that Synchrony bank closed my account on XX/XX/XXXX, not because I wasn't credit worthy, or because my balance was past due, but because two auto-draft bank payments in XXXX and XX/XX/XXXX ( my account was on autopay so I didn't miss a payment ) kicked back. I wasn't even aware there was an issue and was never notified. I spoke to a representative who could not help me, and then a manager who said their accounts automatically close on customers the second time a bank draft kicks back. Even though again, it was 4 months ago and I was never notified of an issue. I also paid the company for missed payment insurance through them which now in hindsight seems like a scam as my spouse did lose his business due to covid-19 and we pay from a joint checking account. Ironically, his account is still open. They never asked me about this insurance coverage or to apply it, this closure came out of nowhere. I just took it off autopay because I don't know what else to do, I even offered to pay it off ( full balance ) and they still declined to restore my good standing. This does not feel right, it is not fair to blemish my credit without giving me any opportunity to make it right or resolve the issue.

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 2021-01-25 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Several fraudulent charges were made to my credit card. The credit card company reversed most of the charges, but I have discovered another fraudulent charge on my statement. I have pointed it out to the company, but now I am getting the run-around : i.e. interminable times on hold on phone calls, calls ended by " our systems are down ... etc., transferring calls to the " fraud department '' that never get answered. They are not responsive, giving me the strong impression they are just trying to irritate me enough that I will give up. I am not the " give-up '' type.

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 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I was hospitalized until XX/XX/XXXX. XXXX XXXX XXXX was the XXXX  attending and saved my life he sent a bill in XXXX while i was still in t5he hospital. I was discharged on XX/XX/XXXX from hospital. On XXXX I called his office to send a gift basket they never informed me I had a bill outstanding and put me in collections. I never received a bill if I had I would have paid and not given him a review that went viral nor spent XXXX on a gift basket. I want a complete deletion bullseye from my account on XXXX and an apology from the drs office in writing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NJ

Complaint narrative:
HI I have some items on my credit file that is on their and I need deleted. I seen these items on my report. I am also am a victim of identity theft. And these things on my report I did not charge or open. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I will hope you remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. I am father of XXXX kids and these fraudulent items will hurt me to provide as father. so please help me while I move froward with helping my family thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NJ

Complaint narrative:
HI I have some items on my credit file that is on their and I need deleted. I seen these items on my report. I am also am a victim of identity theft. And these things on my report I did not charge or open. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I will hope you remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. I am father of XXXX kids and these fraudulent items will hurt me to provide as father. so please help me while I move froward with helping my family thanks

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 2021-01-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
We disputed charges with Home Depot for over 3 years and finally they just wrote off the account in XX/XX/XXXX with out fixing it, then it affected my perfect credit report and for the 4th time asked that it be removed from my report. Now its with a credit collection agency. This is horrible and during Covid-19 I have been turned down for credit. All I'm asking for it be removed from my credit report. It is the only negative item on my report. Please help!! I have sent this attachment to Home Depot, Citi Bank, and XXXX XXXX many times

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 2021-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation
State: FL

Complaint narrative:
In XX/XX/XXXX, I notified SWBC Mortgage Corp that I need a forbearance as I was financially impacted by COVID-19. I was given a 6 month forbearance period beginning in XXXX. In XX/XX/XXXX, I called SWBC to start the loan modification process as I was able to start making mortgage payments. I was given a deadline of XX/XX/XXXX to have all documents submitted. I emailed the remaining documents on XX/XX/XXXX directly to the underwriter who stated that they would process it the same week and the mortgage payments would continue in XXXX. The underwriter did not process the documents and I had to start the whole process over again in XX/XX/XXXX. All documents were submitted to SWBC prior to XX/XX/XXXX. I continue to receive letters and phone calls stating they are missing documents. Every time I call to speak to someone, I am told that different documents are needed than what the previous person told me. I have requested to speak to a supervisor or the underwriter on three separate occasions. I was told I would receive a call back within 24 hours but I was told today that no one had ever submitted a request for a manager to call me back. I called two times today, XX/XX/XXXX, and each representative refused to let me speak to a supervisor or underwriter and each one hung up on me. I am now being assessed late fees, penalties and negative impacts on my credit. I can't refinance the mortgage with a different lender as the mortgage is showing as 6 months past due.

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 2021-01-25 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: GA

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

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 2021-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Fed Loan Servicing has the incorrect amount of on time payments made to the Public Service Forgiveness Plan. There was a different loan servicer before them, and when they went to go back to certify my payments they are coming up with a much smaller number of payments that I have made. Despite the fact that previous loan servicing agencies already verified this information. In fact, I have been waiting 6 months to hear some response on my complaint to them. Every time I call they say they are still waiting to hear from various lenders. I should be right around 110 on time payments on both loans. They are so off that they have different amount of months of on time payments, for the two different loans. The problem is that I make one payment each month and it is split between the two loans, So, the two loans should not have different amounts of months of on time payments. Everything was accurate, until Fed loan servicing came in and and started reverifying payments. The expectation is that they go off of the amount of on time loan payments originally reported to them when they first got the loans. These other loan servicing agencies have no reason to lie about payments, and therefore what they originally gave to Fed Loan Servicing should be honored. They are asking some of these loan servicing companies to go back almost 10 years, and I don't think the records are there to support them going back that far. The bottom line is that the number of on time payments should be honored by Fed Loan servicing..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will for litigation due to the stress you caused me.

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 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Regions Bank is charging on my personal and business accounts multiple times fees, the first is fees for overdraft payment and then a couple of days to a week later will return these payments they authorized and charged these fees to, not returning the fee also, but when they return the payment they charge a return payment fee, This is wrong as for each transaction they are making {$72.00} in full and should only be making {$36.00}. They also ignored a letter from my law firm on this. Also, on my business accounts, they promised if I went through their merchant processor they would not charge me a monthly fee for my XXXX Account. I agreed and signed up with their merchant XXXX XXXX, who had all the information, on the application, but canceled after running my credit and approving me for multiple accounts and making compliance a mess, and trying to force me to pay fees for a service they are supposed to provide by law and have charged me big fees, on one of my accounts, up till cancelation, but also Regions never waved their fees as promised. XXXX shortly after issuing the accounts ended up closing all the accounts because on one of my companies sites and only one that site I offer credit repair and they say they can not process for any company that offers this even if the credit repair service would never be charged through the merchant account, and XXXX did not just close the accounts per that one company but all accounts for all companies. This also would constitute Identity fraud as this was known before the credit reports were run, and from the start. Also, regions have looked at my credit several times when trying to get a line of credit for my XXXX and always denys because my student loan balance is what it is and I am not having to make payments because of still being a student for 2 to 3 more years.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I RENTED A CAR AND WAS XX/XX/2020 AND WAS NOTIFED/INFORMED THAT MY CAPITAL ONR MASTER CARD DOES COVER COLLISION DAMAGE TO MYRENTED VEHECILE. UNFORTUNATELY I HAD AN ISSUE OF WHICH I PROCEEDED TO FILE A CLAIM WITH MASTER CARD / CAPITAL ONE CARD VERIFIED CLAIM AS SUPORTED BT COPIES OF EMAILS FURNISHED TO THIS COMPLAINT SINCE XXXX OF 2020 IT SEEMS AS I HAVE BEEN GETTING THE RUN AROUND BY MASTER CARD AS TO THE TRUE STATUS TO SAID CLIAM XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I will call my lawyer to file lawsuit.

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