vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I initiated a dispute with Wells Fargo last year for a purchase I made overseas and the bank refused to honor my dispute. Instead I was sent a letter on XX/XX/2020 stating the dispute was declined for " not as described food and services ''. No further explanation was given and their explanation is misleading and deceptive. I provided all the paperwork as asked and many times the bank made an error where a rep closed my dispute by mistake and I had to reopen dispute again. I was never notified of when my dispute was closed but i only came to find out when calling their bank. I Also at times the bank seemed to have lost my paperwork and made me resend again. Other times my dispute was not reopened when i requested to have it reopened. i want to know why they closed my dispute and to provide a detailed explanation. I have submitted all documentation asked over the months to support my dispute but still my dispute was closed without a valid reason. If this kind of deceptive customer service continues from Wells Fargo I have no other choice but to close my accounts. In the past they have been guilty of opening accounts without customers permission and they paid a big penalty and now they are doing it again by not resolving disputes and not following the proper guidelines. They openning accounts but they don't want to do the work and resolve anything for the client such as disputes. They just want numbers. I want a bank and credit card that will work for me and not a bank that I will be working for them!! So far Wells Fargo is lagging behind as a reputable bank and I wanted to give it a try but they have let me down. I have included some paperwork as support to my claim.

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 2020-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Myself and apparently hundreds of others have attempted to file a dispute claim with Transunion but the online dispute option does not show up randomly. I have requested that TRANSUNION remove an account from XXXX XXXX XXXX that I was removed from being an authorized user and thus my responsibility has been terminated and I am not responsible for this account. As such, I am requesting this account be removed immediately as it is causing inaccurate information and severe damage to my credit standing.

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 2020-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, S
ection 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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 — Problem with personal statement of dispute
Company: FREEDOM FINANCIAL NETWORK
State: TN

Complaint narrative:
On XXXX I enter into an agreement with Freedom Debt Relief to communicate with my creditors and discuss any and all details of my financial situation. 
XXXX XXXX * XXXX  XXXX * XXXX XXXX  * XXXX XXXX ( XXXX different accounts ) On XXXX I signed an agreement for Freedom Debt Relief to begin negotiating settlements of my debt obligations. We also set up a Financial Hardship Statement. 

XXXX I established an ACH debit from my account for {$690.00}. The payments were establish to be deducted bi weekly with me paying {$320.00} twice a month. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$3600.00}. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX  for the amount of {$1800.00}. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$10000.00}. 

XXXX I reviewed my Freedom Debt Relief account and noticed I had deposited {$22000.00} into the Freedom Debt Account, which exceed the settlement amount by {$6900.00}. 

XXXX I print a copy of my XXXX  Credit Report and noticed the accounts XXXX XXXX, XXXX XXXX   and XXXX XXXX accounts were closed and charged off due to non payment. 

On XXXX I called Freedom Debt Relief and talked to a Customer Representative name XXXX. When I asked about my accounts not being paid, his only response was I had not accumulated enough funds in my account to pay all of my settlements. 
I asked how could that be if my account summary clearly states I have deposited {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
My account was sold from XXXX XXXX to Rushmore XXXX  XX/XX/XXXX. Prior to this transfer, I contacted Rushmore in XX/XX/XXXX to explain that I was being assisted through the Hardest Hit Fund for mortgage payments. I was told that there was nothing to do at that time because there was no loan number to research and that I would be receiving a welcome packet with the loan number. In XX/XX/XXXX, Rushmore was still unable to provide any assistance due to the account not being transferred to their office. In XX/XX/XXXX I started to receive foreclosure letters, approximately three in total when I was advised by Hardest Hit  that they were in contact with Rushmore and was awaiting documents from their office to resume payments. 

I would like this harassment to stop immediately. This is the beginning with a new servicer and I am extremely stressed that this is starting to be a repeated pattern as before with XXXX XXXX XXXX. 

Hardest Hit emailed me an update on XX/XX/XXXX, that my loan will be brought current on XX/XX/XXXX in the amount of {$1900.00}. According to Hardest Hit, this confirmation was also sent to Rushmore XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX Date opened- XX/XX/XXXX account # XXXX remaining balance was- {$820.00} charged off in bankruptcy new reported credit shows it under another agency now LVNV Funding LLC XXXX Collection on - XX/XX/XXXX account # XXXX Balance- {$820.00} Original Creditor : XXXX   XXXX XXXX  Status- In collection This account should not be on my credit report and was already charged off on my bankruptcy. Please remove off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: MO

Complaint narrative:
My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX  {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$420.00} 3 ) XXXX XXXX XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX XXXX XXXX {$21000.00} 9 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: MO

Complaint narrative:
My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX  {$1100.00} 2 ) XXXX XXXX XXXX XXXX  {$420.00} 3 ) XXXX XXXX XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX XXXX XXXX {$21000.00} 9 ) XXXX 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 2020-04-12 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: CA

Complaint narrative:
Transunion : Requested verification of collection account from XXXX. Transunions XX/XX/XXXX responded with account has been verified by the XXXX. 
I contacted XXXX and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; XXXX XXXX. App. XXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ). When, XXXX XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in Spears v Brennan. 
I forwarded this information to Transunion and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX  ''. My recent credit report from Transunion still shows the " Unverified '' account on my report 15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.

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 2020-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I was in the process of trading this vehicle in, I have been paying on it for a little over one year. I have had all kinds of mechanical failures dealing with this vehicle. I was already {$10000.00} upside down on the loan and had to replace a few parts. I have been in touch with American Credit Acceptance since XX/XX/XXXX and I have received 10-day payoff quotes to have this trade-in properly evaluated. They have been aware since before my bill was due since XX/XX/XXXX, I was current on my car note until the XXXX 's payment, that is only one month in the rears. 

How does this end up on my credit report so quickly and falsely in less than 90 days and without a repossession? This seems like a move to punish the consumer for making a better trade, at the end of the day they are away that I purchased XXXX new vehicles in the month of XXXX and that they will receive the total remaining on the XXXX XX/XX/2014, which is {$18000.00} before too long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This creditor has continued to harass me over and over again I have explain to them that this is not my debit my identity was use fraudulent by someone else not me the debit is by CCS the original creditor is XXXX which I have never gone there or went to get any work done by that company I have a credit freeze I am a victim of identity theft my police report is on file with all three credit company and they still want remove this off my credit this account number is XXXX the date is XX/XX/XXXX date reported the date assigned was XX/XX/XXXX collection account. Account # XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : CCS Collections, XXXX XXXX XXXX, XXXX, MA XXXX Phone : ( XXXX ) XXXX CCS Collections XXXX XXXX XXXX XXXX MA XXXX : ( XXXX ) XXXX Account Number XXXX Status Date Status XX/XX/XXXX Unpaid Date Reported Date Assigned XX/XX/XXXX XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX Amount {$150.00} Date of XXXX Delinquency XX/XX/XXXX Balance Date Balance Amount {$150.00} Last Payment Date Whose Account Individual Account XX/XX/XXXX This company dont care if I was a victim or not they keep telling me to pay it anyway so I had no choice but to reach out to your company for help please all I want them to remove this off my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: SAMC Honebee TRS, LLC
State: AR

Complaint narrative:
Dear Team - GMFS , LLC loan processing company has big issues with their IT systems. I had a mortgage payment set up via auto-draft. Please see the attached doc where payments were deducted on the XXXX of each month within 15 days of the grace period. I have never been late on the mortgage payment and they have reported it 30 days late for XXXX, XXXX, XXXX, and XXXX while it was not late. 
In XXXX, money was in the account and their system had issues and only deducted half payment and I immediately called and paid the remaining which they deducted in XXXX. 
I do not trust their system so I have removed the auto-draft and manually paying it. I am having XXXX XXXX due to this during this difficult time when you need a good score. My score has dropped with their inaccurate reporting. I spoke to them and they said they will review but have not responded yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-12 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: NJ

Complaint narrative:
XX/XX/2020 : Sent letter to original creditor asking to verify debt by performing a reasonable investigation. I also requested that they send me an explanation of the investigation method they used to verify my account. 

They sent me back a letter saying they didn't know what I was disputing and to to dispute with the four credit bureaus ( XXXX, Equifax, XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2020 : Sent letter to original creditor asking to verify debt by performing a reasonable investigation. I also requested that they send me an explanation of the investigation method they used to verify my account. 

They sent me back a letter saying they didn't know what I was disputing and to to dispute with the four credit bureaus ( Experian, XXXX, XXXX  and 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 2020-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have an Capital one Auto Finance and they have me reported late 7 times - is incorrect, I had agreement for payment that was supposed to place at the end of agree and they were counted as late and I paid XX/XX/2020 and still reported as late and is cause me to be unable to obtain an loan and difficulty to obtain housing or any other loans, XXXX XXXX XXXX acct ending XXXX, please reach out to them to assisted me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX Experian : I requested verification of collection account from XXXX XXXX XXXX. Experian XX/XX/XXXX responded with account has been verified by the XXXX  XXXX XXXX. 
I contacted XXXX XXXX XXXX and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ).  When, XXXX XXXX XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX XXXX ( USA ) stating that XXXX XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in Spears v Brennan. 

I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX XXXX ( USA ) ''. My recent credit report from Experian still shows the " Unverified '' account on my report 15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.

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