vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/2022 I got emails to my work email account congratulating me on my new credit card that I did not apply for with XXXX, XXXX and Comenity Capitol. I contacted each lender, some have been more helpful than others. All have cancelled the accounts and applications, removed hard inquiries on my credit report and reported fraud but one, Comentiy. Put a freeze and fraud alters with all three credit reporting agencies, called my existing credit card companies, banks, and local police department. I plan on contacting the IRS, DMV and social security offices to help protect myself from future fraud. Not sure what else I can do to protect my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I called Equifax requesting the following hard inquiries on my credit report that I DID NOT authorize be removed immediately : XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I would have to have the companies remove them. Both company and creditor is sending me back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
For the past 2-3 months, Ive been receiving repeated phone calls from Gurstel Law regarding a credit card debt. Ive attempted to block the number and now they call me from various ( XXXX ) area code phone numbers. I received a written notice on XXXX XXXX, XXXX  regarding an attempt to collect a debt. In that notice, it says if you write to us by XX/XX/2022, we must stop any collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents, we accept disputes electronically at XXXX I proceeded to dispute the debt via email on XX/XX/2022. Since then, Ive still received repeated calls. They have violated my right regarding reaching out to family members to discuss my debt. My mother sent me a text message on XX/XX/2022 with their information and the text reading This law office is calling my number for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
paid XXXX dollars down payment for a home through XXXXXXXX XXXX  XXXX XXXX and vanderbilt mortgage. found out i could not get the home. asked for a refund and they keep giving me the run around saying it is corporate 's fault.

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX Account Number : XXXX ] Reason : [ need late payments removed asap, ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, [ XXXX k ]

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 2022-12-09 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I an requesting this procedure in case of disputed accuracy.

15 U.S.C. 1681 Section 602 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

Can you please reinvestigate the accuracy and completeness list of accounts below : Account XXXX XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I an requesting this procedure in case of disputed accuracy.

15 U.S.C. 1681 Section 602 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

Can you please reinvestigate the accuracy and completeness list of accounts below : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wrote a check addressed to a person. Bank of America let someone with a completely different name endorse and cash the check. The name used to endorse and cash the check in no way resembled who the check was addressed to. I filed a claim with the Bank XXXX Bank of America ), and despite the fact that the error was clearly the bank allowing a fraudulent person to endorse and cash the check, they made me go to a notary to attest I didn't have anything to do with the fraud. I submitted this, and they still haven't done anything. They have not followed up, and have been non-responsive. I have a physical letter from them with a claim number, but nothing is updated on my bank statement or web portal, they are clearly trying to make it exceedingly difficult to get this process resolved. 
The Law states that banks are solely responsible for enabling other people to cash checks that are not made out to them or endorsed by the payee. Bank of America is clearly trying to make the process exceedingly difficult so as to avoid having to pay.

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 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: CA

Complaint narrative:
On XX/XX/2022 I filed a complaint that detailed the debt collectors attempt to collect on a debt that was bogus and attempting to collect damages without a court judgment. 
Complaint No : XXXX. The company responded to CFPB stating they would respond to my complaint directly to me by mail. As of XX/XX/2022 the debt collector has failed to contact me either by mail or by phone. The debt is still active on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
I have pulled my report and saw accounts inaccurately reported. I know that credit reporting agencies are supposed to report only 100 % accuracy. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I called XXXX requesting the following hard inquiries on my credit report that I DID NOT authorize be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I would have to have the companies remove them. Both company and creditor is sending me back and forth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX unfairly denied access to thousands of my own XXXX funds I desperately need to access in order for to attend work, provide housing and food for my child after they were repaid for an overdraft caused by illness. The illness was caused by severe XXXX XXXX  furthermore caused by a XXXXXXXX XXXX at work case that is going through litigation yet. 
XXXX refused to assist and management was unavailable and inaccessible to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED 90 DAY LATE PAYMENTS REMOVED HAVE NO IDEA OF THIS ACCOUNT NEED REMOVED ASAP PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, [ 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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NC

Complaint narrative:
Failed missed payments due to being affected by XXXX lockdown and also, a current XXXX XXXX who's struggling to take care of himself personally. I'm also a XXXX  who has to apply for XXXX which is financial aid to help the XXXX afford college. Being that I'm a XXXX XXXX  I don't receive XXXX  grants to assist me with any type of payment. According to my payment history I'm on time with my payments, but despite not being able to make payments due to uncontrol circumstances I failed to make a few payments. 

Discover Bank - late payment on XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XXXX XXXX XXXX XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
Hi I have my mortgage with UWM and the Loan Number : XXXX I have auto scheduled my mortgage amount through BillPay and there was never any lapse in payment. However UWM claims that a payment is missing. I have verified with the BillPay in a 3 party conference call and submitted Proof of payments. Despite this, UWM continuously refuses the payment and further applies late fees, causing my account. 

I tried them with all proof and nevertheless they refuse to hear. They handle my communication very bluntly and refuse to resolve this. 

For over an year, this issue is pending without resolution. They are punishing me further by reporting all agencies, and this is crippling me with no way out. 

Note : i had and have sent all the proof of payment confirmation several times since last year. I request you to involve for an actual resolution. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Ive reached out to you all multiple times stating that I filed bankruptcy and that I wanted this removed from my account. You all have yet to do so.

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 2022-12-09 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: TX

Complaint narrative:
In XXXX I wrote Transunion a letter questioning their verification practices and accuracy. They responded to the letter on XX/XX/XXXX File # XXXX stating the bankruptcy was verified and they provided a address, and phone number. I questioned the validity of their response because the phone number they provided is a XXXX California phone number and the address they provided is a XXXX California address. The phone # provided does NOT connect to a court located in XXXX California. I then sent them a follow up letter on XX/XX/XXXX asking them to verify the clerk 's name they spoke with and the documentation used to verify the dispute. I never received a response back to that letter that was sent on 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 non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail ( XXXX ) from the XXXX XXXX XXXX saying that a tax return was filed in my name and with my Social Security Card. I then ran a credit report with all 3 accounts. On two of the three credit reports, there was a Discover card opened in XXXX with my name and Social Security card as well. As of XXXX, I was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: IL

Complaint narrative:
I have had repeated phone calls over the last few months about a XXXX debt/account that was - according to the phone calls- not paid. I have NO XXXX account. Never have. Then, I received a letter, which looks very official, from EGS Financial Care , Inc. ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX. The letter states a " DEMAND FOR PAYMENT '' with records showing charges from XXXX through XXXX, XXXX  for something. It is deliberately vague, but looks like it is for charges with XXXX. I have not shipped anything via XXXX and have NO account. Furthermore, the receipt for payment ( for {$910.00} ) is simply to be sent to a strange address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I have made no attempt to contact EGS Financial Care , Inc . I assume this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Long & Foster Financial Services, Inc.
State: NC

Complaint narrative:
I was contacted by Prosperity Home Mortgage while investigating HELOC rates and was willing to listen to their agent. As we were exchanging information I explicitly asked if this would be a hard credit pull and XXXX ( XXXX # XXXX ) stated " No, not until you apply for the mortgage ''. We continued with the process and he asked for my XXXX and XXXX for what I assumed was a soft pull regarding current rate levels, which is all I wanted. I had no intent at the time to apply for a loam through this lender. Once I saw the hard pull populate on my report, I asked him if that was a hard pull he just performed, and he confirmed that it was. This was not stated clearly prior to the pull and it was not clarified that I was in the midst of ANY application for a loan. He then told me " it's fine, it will fall of in 30 days ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
I have checked my credit report and verified that there is an account being reported incorrectly. I was never late and I am not aware where that late payment come from. This definitely is a billing error and should be corrected. Under US Code 1666B. Below is the account appearing to have late payment : 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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Bank advanced funds from a workers compensation settlement check on as agreed on XX/XX/XXXX. The funds were credited to the account. Relying on this advancement and the safety of the funds submitted by XXXX XXXX company, I made significant payments on debt and other items we have been waiting to purchase pending the settlement. After the funds were credited to the account and payments had been issued, a secondary hold was placed on the account. 

I asked for reasonable accommodations ( the current outstanding funds to be honored ) and was denied. Wells Fargo blames the issuing bank, XXXX XXXX for the hold and refused to take action before XX/XX/XXXX, leaving with no operating funds for up to XXXX days. I am a single mother and this detrimental reliance will likely cause me substantial financial harm to include unknown amounts of chargeback fees.

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 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
As of XX/XX/2022, a new collection account LVNV FUNDING LLC ( ID # XXXX ) former owner XXXX XXXX XXXX XXXX started reporting without addressing my dispute. 

It should be noted that XXXX XXXX XXXX XXXX account # XXXX sold this account without satisfying several requests to provide me proof of the balance. In addition, immediately after receiving LVNV FUNDINGS initial letter, ( before the 30 days of the date on their letter ) I contacted LVNV in writing via email and certified letter disputing this debts balance. LVNV and XXXX XXXX XXXX XXXX continues to deny me full detailed proof of this debt which is a blatant violation and a hindrance to my rights to fully address the false debt balance before reporting this new collection account on my credit report. 

Today, I called XXXX XXXX XXXX, XXXX twice. Once at XXXX XXXX XXXX spoke with Representative XXXX XXXX ) and again at XXXXXXXX XXXX  ( Representative XXXX ) each time denied to speak with a supervisor.

Company response to consumer: Closed with explanation