vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 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: GA

Complaint narrative:
I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FC HoldCo LLC
State: TX

Complaint narrative:
This complaint is regarding Flagship Credit Acceptance. In XX/XX/XXXX we had our XXXX year old daughter XXXX XXXX from a XXXX XXXX, in XX/XX/XXXX we had our oldest daughter XXXX years old go to sleep and and not wake up, died from XXXX   XXXX XXXX. This year in XXXX we had our XXXX year old grandson XXXX XXXX on the basketball court from a XXXX. We have buried XXXX children in the last 14 years. We asked that Flagship put a payment to the back of our loan so that we could bury our daughter who had no insurance. Flagship said they would and did not when we found out until the next month that they didn't do what they said they were going to do. It took Flagship 2months to do the paperwork, when it finally made the payment now they showed me 30 late. Due to the other deaths in our family we have asked them to do the same thing and again got the same results. We are caught up, but not 30 days late around 25 days late. Every week for the last two months I have been getting several phone calls per week, but yesterday XX/XX/XXXX I received 7 phone calls from flagship including a call at XXXX XXXX. This to me is harassment and I want it to STOP.

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 2020-09-24 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: VW Credit
State: FL

Complaint narrative:
I had a joint auto lease through VW Credit , Inc. with my husband that ended in 2017. The lease shows on both of our credit reports with XXXX  a balance of {$17000.00}. The other credit reporting agencies show the account properly with an {$0.00} balance. I have reached out multiple times to VW with a promise of an resolution & to this day nothing has been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.

Complaint narrative:
Franklin Collection contacted us by phone about a debt we supposedly owe to XXXX XXXX XXXX in XXXX  XXXX. The amount, they said, was {$1200.00}. However, we paid the bill to XXXX XXXX XXXX in FULL XX/XX/2019. Upon receiving the call from Franklin Collection, we contacted XXXX XXXX XXXX to tell them we paid and we have poof of payment. However, XXXX XXXX XXXX confirmed we paid and that there is no account for debt. We informed me that we have been contacted by Franklin, they said not only they have never referred our account to collection, but that they do not work with Franklin Collection. They work with XXXX XXXX XXXX XXXX XXXX When we informed Franklin, they threatened to ruin our credit history. Please verify this information with XXXX XXXX XXXX that we only used once in our life time. XXXX XXXX XXXX XXXX. We will also be happy to provide proof of payment. 

We demand that Franklin Collection cease and desist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Account was settled in full on XX/XX/2020. Posted on XX/XX/2020. Was told on a recorded line ( I also have the audio recording ) that the trade line on my credit reports from Portfolio Recovery would be requested for deletion within 30 days from posted date ( XX/XX/2020 ). Thirty days was XX/XX/2020. Contacted the company on XX/XX/2020 and was told something to the effect of, " I'm not sure why but the system is showing your account was not closed until XX/XX/2020, therefore our tradeline deletion request from your credit report will not be requested until XX/XX/2020 XXXX 12 days after the agreed upon date ). 

The customer service representatives attempted to elude my questions and XXXX XXXX ( Executive Operation Manager ) initial refused to transfer me her supervisor despite my multiple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: TX

Complaint narrative:
XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX   XXXX/XXXX  XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILYXXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, applied for a credit line increase. I received a notification that it will take some time because I have a fraud alert on all of my credit files. Anytime that my credit is ran the company is supposed to call me and confirm that it is me that has made the request. Today XX/XX/2020 I received a letter stating that they were not able to contact me with the information provided on my credit file. My cell number is the number that they was supposed to call and they DID NOT. My cell number is stated on all credit bureaus. Comenity bank is not honest the request and requirements of the consumers reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon reviewing, Chase indicates that my two credit card accounts have been closed on XXXX XXXX without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: NC

Complaint narrative:
I spoke with the Executive compliance office and the creditor ( XXXX ) that is showing the past due delinquencies on the credit report. After thorough investigation and research, the creditor acknowledged that they sent a retraction letter to update the delinquencies. The creditor, XXXX, Department of Education, states that they have provided numerous attempts to all three credit bureaus to retract the delinquencies showing on the credit reports. The loan has been on an approved deferment or forbearance since the life of the loan therefore no late payments should be remaining on the report.

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 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
This complaint is against LexisNexis Risk Solutions for violations of the FCRA for reporting and selling inaccurate information specifically a public ( bankruptcy ) record to the major credit reporting agencies, while stalling my request for an investigation, and ignoring my request for their method of verification. 

On XX/XX/2020, I submitted a certified letter asking that LexisNexis verify the public record with the Courthouse to correct the information, or delete the bankruptcy record from my report. 

On XX/XX/2020, I received a form requesting additional information, which I submitted on XX/XX/2020, using certificate of mailing. 

A few weeks latter I received a letter with no changes to my report. 

On XX/XX/2020, I submitted a letter using certificate of mailing requesting their method of verification, and NEVER received any response, and the public ( bankruptcy ) record remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA has a call center in XXXX, which when I called asking for help with fees, impacted due to covid, the representative did not even know about CFPB, FDCPA. I am a XXXX XXXX XXXX employee. The bank is not educating their employees correctly, in order to misinform other XXXX customers, and charge them overdraft fees, thinking every XXXX is uneducated, and can not read terms and conditions. I have been out of work since XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX. At XXXX, we assist customers, returning fees. The bank even saw my stimulus deposit was not received until XX/XX/XXXX. The bank refused to assist me except with 2 overdraft fees. Overall, the bank is intentionally not educating its outsourced call center reps. I had to inform the rep about CFPB, since in XXXX, there is no banking system as organized as ours. The bank charges XXXX for {$1.00} transactions for stash ( less than {$5.00}, and I've called 3 times informing them I never signed up for stash ). I informed them, I'm on XXXX, receiving 70 % of my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2020 we attempted to use our Amazon Account thru our identification process. We could not access our account. We called Amazon and was told that a purchase had been made for {$440.00} for a phone. They took down the information and told us to call our Amazon Chase Credit card. We closed the card and was told that Chase would review the information. Twenty days later, an attempt was made to purchase up to {$7000.00} classes on an alternate credit card listed on my amazon account. The credit card company immediately called me and we closed the account. Over the past 60 days we have made at least 25 phone calls to Amazon and Chase. Amazon tells us they will forward information to Chase that the purchase was unauthorized and Chase sends us a letter that says " We confirmed that the purchase was valid. The transaction will remain as part of your account balance ''. 
On XX/XX/2020 we contacted the third party Amazon vendor of the phone. They stated in writing " It shows you have not placed this order. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
XXXX I just received an email from CFPB stating the company responded. They have not responded. They finally refunded {$4.00} for multiple charges I reported. However, they have not refunded overdraft charges to my checking account, nor have they indicated they have blocked " XXXX '' from continuing to charge me, which brought me to complain in the first place. 
US Bank 's standard reply is : Close your account and open a new one. No, this is a major inconvenience to me. If a bogus charge is continually coming from the same place, US Bank has the ability to block a repeat transaction. They have continually refused to do so. 
I demand : Refund of overdraft charges associated with these transactions ; stopping all overdraft charges to my checking account because I have repeatedly asked these to be stopped.

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 2020-09-24 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: LoanCare, LLC
State: OH

Complaint narrative:
I entered into a COVID-19 forbearance plan with LoanCare in XXXX of 2020. At the time of the plan, my account was less than 30 days current. Per the CARES Act, the servicer is forbidden to report my account as delinquent if I was current entering the plan. We sold the property in the beginning of XXXX while I was still on the plan. My XXXX credit report is now showing this as paid off, but is showing account status as over 120 days past due which is not the case.

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 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I opened an account with Transferwise, my credit card was charged with the following charges : XX/XX/2020 TRANSACTION FEE Fees & adjustments {$10.00} XX/XX/2020 TransferwiseCom_USD Personal {$9.00} XX/XX/2020 TransferwiseCom_USD Personal {$51.00} Total Charges {$70.00} I was trying to use the service to send money abroad and I was Told by their customer service representative that the account was closed, I request a full money refund. So far I haven't received any refund, funds or any communication from this company, They decided to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
I'm refinancing my house, my escrow company have requested a payoff from SLS  ; Superior Loan Servicing " which is servicing company that California XXXX XXXX XXXX " private lender '' use to service the loan. 


Escrow and loan officer has been requested for payoff since XX/XX/2020, XXXX is XX/XX/2020, Private lender haven't sign payoff. 

SLS have emailed and calls lender to ask to sign the demand for payoff. But lender refuse and make excuses not to sign the demand for payoff. Lender have call me directly and made offer to keep the loan, I want to payoff the loan. I want to know what can CFPB do for the private lender to sign the demand for payoff so i can payoff this loan. 

my name is XXXX XXXX XXXX XXXX email is : XXXX phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: FL

Complaint narrative:
What do you do when the same company that caused the problem refuses to correct it. I have sent Equifax countless FTC reports each trade line or inquiry that is new. Equifax the cause of the problem in the first place refuses to work with me and remove the 13 Fraudulent Inquiries even though they have sent me copies of my credit with results saying The Inquirys in question have been deleted When in fact that is a game that Equifax is playing. Today I received a letter stating that they are not going to comply with FCRA 605 B and to contact you or my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hi, This company Portfolio Recovery continues to report to all XXXX credit bureaus that they state that I owe. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts aa being accurate and that I know is not correct. I have asked Portfolio Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with Portfolio Recovery 1. ) {$1800.00}, shows opened on XX/XX/XXXX, XXXX. ) XXXX opened on XX/XX/XXXX, and 3. ) {$2100.00} opened on XX/XX/XXXX. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: WA

Complaint narrative:
This is an issue with Experian, Not XXXX XXXX XXXX. XXXX XXXX XXXX  is actually trying to help me with this situation. I pay for a monthly service with Experian, I like their product but .... I've been trying to dispute the status of my account with XXXX XXXX XXXX  on my credit report with Experian, they won't listen to me. I disputed the same issue with XXXX, and they just fixed it for me! Im not sure why Experian will not. Anyway ... I have a credit Card with XXXX XXXX XXXX. I closed the account on XX/XX/2020, but I received an offer to re-open the account on XX/XX/2020, and I did so. I still have an account with XXXX XXXX XXXX. Like I said, XXXX XXXX XXXX  is trying to help me resolve this. My complaint is : If my account keeps being displayed as closed, the {$300.00} credit limit that I have on the card does not get applied to my credit utilization, which affects my credit score GREATLY. The account is open, I should get credit for it. Experian will not listen to me. The account was re-opened on XX/XX/2020. All they should do is just look at my credit card statements.

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 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: MN

Complaint narrative:
Received first letter from XXXX XXXX XXXX dated XX/XX/XXXX requesting payment for a debt from original Creditor: FLEXSHOPPER LLC For the amount of $XXXX. this is not my debt and I have had no contact with FLEXSHOPPER.  I then sent within 30 days a letter to them stating that this is not my debt. #1-I asked for full name and mailing address from the original creditor for alleged debt. #2-i request documentation showing you have information that i am responsible for this debt. #3-Documentation showing you are licensed to collect debts in my state. I also asked them to cease trying to collect this debt. I then received a second notice on XXXX XXXX XXXX from a second agency XXXX XXXX   for a second attempt to collect on the debt from FLEXSHOPPER LLC. in the amount of $XXXX.  I sent a second letter to XXXX   within the 30 day period requesting the same information and asking them to cease their attempt at collection on XX/XX/XXXX I received a letter from the XX/XX/XXXX program manager which included a copy of the FLEXXSHOPPER LLC RENTAL-PURCHASE AGREEMENT/LEASE for the alleged debt. The address of the original purchase does not belong to me. The Bank account associated with this clam does not belong to me. THIS IS NOT MY DEBT and i would like this resolved so it does not affect my credit.

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