vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom it may concern : I submitted three dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX and another one on XX/XX/XXXX. I disputed this account and the inaccuracy of this fraudulent account on my credit report. I asked Wells Fargo for my verified signature and how they validated this fraudulent account and all the corresponding information. No response for the second and third round of letters. I asked them to investigate this account and to delete immediately from my credit report. It's been over 45 days with no results or response. I also uploaded documents of my police report from XXXX and drivers license confirming my identity. I have been a victim of Identity theft twice in XXXX and XXXX. I did not consent to, authorize nor benefit from the following account. Please block and remove from my credit report. They have violated multiple laws and I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.

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 2021-09-06 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: IL

Complaint narrative:
I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from them firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated. 

1. The following accounts has wrong balance : XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-09-06 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: IL

Complaint narrative:
I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from them firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated. 

1. The following accounts has wrong balance : XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-09-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is not a third party involved. I've tried to rectify issues on my consumer report with the Credit reporting agencies and have not had any luck getting it done. I've attached letters I've sent to them and got NO response. please help

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 2021-09-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is not a third party involved. I've tried to rectify issues on my consumer report with the Credit reporting agencies and have not had any luck getting it done. I've attached letters I've sent to them and got NO response. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc.
State: KY

Complaint narrative:
I have received numerous phone calls from XXXX XXXX XXXX. Previously when they called and I would answer, the call would be disconnected before speaking with someone. On XX/XX/21, at XXXX EST, I received a call from them again. I spoke with a woman who requested I verify information with her. I refused to self-identify until I was given more information about who was calling. I also stated numerous times that I do not wish to receive calls from them anymore at this phone number and requested a cease and desist. The woman refused to accept my request saying she could not do so without verifying my information. The woman calling then provided a deceitful statement that the call was NOT associated with debt collection or a debt collector. When I then self identified, I was notified that the call was indeed an attempt by a debt collector to collect a debt. I again requested a cease and desist of phone communications to my number which she again refused and was extremely rude saying so youre just not going to pay back this moneyokay and things of that nature. I confirmed that the phone call was on a recorded line, requested a cease and desist, and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have PayPal Cashback credit card that is issued by Synchrony Bank. On that card Synchrony Bank offers 2 % of cashback that can be redeemed either as credit to the credit card account or as PayPal balance. This card is connected automatically to one 's PayPal account. The only way to get access to the internet bank of the card is through PayPal account. 

On XX/XX/ something happened to my PayPal account, it got disconnected from PayPal Cashback card and could get to the internet bank of the card any longer. Among other things I lost control over the cash rewards point. At the moment I have number of reward points that is equivalent to {$330.00}. 

I called support of that card multiple times. At first, they suggested that it's possible to reconnect the card to PayPal account manually. It turned out not to be true. Then they said they can issue a check on the reward point amounts - it turned out not to be true as well. Last time they said that it may be possible to credit my account for that amount but they closed my case again instead with a generic response ( see first_letter.pdf and second_letter.pdf ) Synchrony bank didn't provide any viable solution after all.

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 2021-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureau Transunion is not complying with their own policies in a timely manner. I submitted a dispute via mail over 30 days ago on XX/XX/ as well as a follow up letter on XX/XX/ to remove negative and inaccurate items on my credit report and i still have not received a response.

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 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2021 I received a debit card, and 2 postcards stating that I opened a checking & savings account with XXXX XXXX XXXX XXXX  and that I authorized them not to pay overdraft fees the next day I received 2 letters stating they were closing those accounts. Then today XXXX XXXX I received an email welcoming my to TD bank, that I opened a savings and checking with them which I did not do, then a second email stating that I changed the email address on the account... I called the TD bank number to explain that I don't have any accounts with them & the woman could not really assist me as the closest branch of their bank is almost 100 miles away from my home. All accounts were opened under my married name, XXXX, and when I got divorced I went back to my maiden name. That was 7 years ago. How do I get help, how do I fix this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
Dear Sir or Madam, I received letters from ARS stating I owe a few debts. I am requesting a validation of debt. I am distressed and annoyed and fearful from being harassed by these debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

CREDITACPTXXXX-Balance : {$5600.00} - Date Opened : XX/XX/2019

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 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My payment is due to XXXX XXXX XXXX on the XXXX of each month. My report states that my account is 30 days late when it is not. Today is XXXX XXXX XXXX From the XXXX of last month to the XXXX of this month is only 13 days. My payment is scheduled to come out on my bank account on XXXX XXXX XXXX Even so, that is 18 days and not 30. This inaccuracy took 94 points off my credit report and to be completely honest, I am thinking to get rid of this loan and refinance with another company. This is fraudulent. The date that is showing when they reported was XX/XX/. Even so, the XXXX to now is 6 days including Saturday and Sunday. I filed additional complaints with other places including this bank also lying on my auto loan application about my finances and bills. Most of that information is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I present the following two ( 2 ) PayPal credit disputes : 1. XXXX : On XX/XX/XXXX I was required to place an order for custom shoes ; where as, the merchant instructed me to place then write us all changes, we will don it for you. Then on the XXXX, I requested instructions on size measurements, and informed the merchant of my desired changes and shipping terms on the requested model shoe # XXXX. On the XXXX, the merchant informed me that both the upper and lower parts are made of black leather not fabric. In response, I informed the merchant that I wanted to cancel the order - and in the merchant 's response was the " refund has been issued ''. To this point in time, there has not been no refund of {$230.00}. 

2. XXXX- XXXX : Prior to the above instance, on XX/XX/XXXX, I purchased an XXXX Training Tutorial based solely upon that merchant 's PayPal advertisement " Promise that for any reason you're not satisfied with the Tutorial and if you would like a full refund, please submit your request within 30 days of purchase. I purchase said tutorial based solely upon merchants ' advertisement assertion of their : " promise '' of their 100 % no questions asked money back guarantee '', if refund request is made in within 30 days " we will refund your original payment method with the full amount ''. On XX/XX/XXXX and XX/XX/XXXX respectively, I respectfully requested said refund of {$190.00}, to no response. 

Therefore, I hereby respectfully request ( CFPB ) to review and investigate this pattern of Merchants ' coercive purchase order behavior and Merchants ' false advertisement practices under PayPal 's herein alleged vague, ambiguous, and biased consumer review under the PayPal dispute resolution process.

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 2021-09-06 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: TX

Complaint narrative:
The credit bureau Equifax is not complying with their own policies in a timely manner. I submitted a dispute via mail over 30 days ago on XX/XX/2021 as well as a follow up letter on XX/XX/2021 to remove negative and inaccurate items on my credit report and i still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with the original signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TX

Complaint narrative:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Numerous attempts have been made to get this error corrected. I entered mortgage forbearance XX/XX/XXXX and was approved and continued through XX/XX/XXXX. In XX/XX/XXXX I called to discuss options upon the completion of my forbearance XXXX XXXX. While discussing options with the rep, I decided to go with the deferment of all payments, including escrow, through XX/XX/XXXX to begin repayment on XX/XX/XXXX. I then received notice that my repayment would begin XX/XX/XXXX - an error had been created on the mortgage company side - this was confirmed when another rep listened to the previous phone call. Due to their error, they are denying XXXX XXXX  to be included as originally agreed. I never agreed to begin payment in XXXX XXXX Again, this was confirmed with a check of the phone call from XXXX. I have attached the approval for the forbearance through XX/XX/XXXX and the denial to include it after requesting the error be corrected. I have also included the statement where the payment was to begin XX/XX/XXXX. I have continually requested an override of their error to no avail. I have been promised return phone calls and they have not been received. I need their error to be corrected so that I can make my XX/XX/XXXX payment. If I make my payment now, it will be applied to XXXX XXXX XXXX They have also charged me late charges and continue to call me for the XX/XX/XXXX payment - violating the Cares Act and my approved forbearance. I agreed to make payments beginning XXXX XXXX XXXX  and not before. I demand they correct their error and correct my account to begin payments XX/XX/XXXX as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
Pro collect has been sending me collection papers for the amount of XXXX and the collect is past due, I do not know this company and have no affiliation of any kind

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 2021-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citi XXXX  XXXX Mastercard account in late XX/XX/XXXX. I received an offer confirmation letter dated XX/XX/XXXX stating the following " Effective XX/XX/XXXX, the promotional Annual Percentage Rate ( APR ) of 0.00 % applies to each transferred balance made under this offer until XX/XX/XXXX. '' However, they began charging me interest in XX/XX/XXXX. I contacted the company at XXXX and spoke with XXXX about the error & she said they would not be able to reverse the interest charges unless I printed out a copy of the Offer Confirmation letter account & send it to them through the US mail. Now, they already have a copy of this letter & it is also viewable & available for download on my online account. Please see the attached Office Confirmation letter dated XX/XX/XXXX and my latest statement dated XX/XX/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 2021-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Called today to make claim for lost item and no one was there to take my call - referred me to internet after XXXX XXXX and switching me 3 times and then to wrong department. 

Purchased sunglasses on XX/XX/ and lost them on XX/XX/. Claim # XXXX was generated at AMEX but it wouldn't let me finish the claim. So now I am out {$140.00} which should have been covered under their loss protection plan. Yet no one to speak with and left out in the cold with this online claim program. 

I pay A LOT of $ $ $ $ for this AMEX, ask for very little and get even less in return. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation