vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND A ACCOUNT THAT SAY CHARGE OFF THAT IS NOT ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX I logged into My American Express account and was informed that my accounts have been closed. 

Their support team online provided a phone number that describes its working hours from XXXX XXXX XXXX XXXX XXXX eastern. I called this number 8 times and nobody was working. 

No written notice of account cancellation was provided. Nobody from American Express has attempted to resolve this issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I received an offer for a personal loan : {$590.00} SoFi Personal Loan Bonus Offer. I confirmed with an agent that I qualify. The loan application provided me terms of repayment to select. I submitted and Sofi ran my credit. Then they denied me with the following reason ; " Does not offer credit on the terms requested. '' I contacted support. They believed it was due to a computer error regarding another partially completed loan application. They removed both applications and had me do another application. Instead their system states " SoFi can't offer you a personal loan at this time, but XXXX may be able to help. '' This is a referral to a different lender. The agent suggested I add a co-signer. 

My credit score on their denial letter is XXXX as of XX/XX/2022. They loan was for {$5000.00}. It appears to me that this is some bait and switch in order to mine my data. How can they reject me on the terms requested when they are the one 's that gave me the terms to pick from?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I Paid our account in full on XX/XX/2021. - {$470.00}, but a " minimum interest charge '' was applied as the payment was processing, so the bank carried that {$2.00} over to the next cycle, leaving me unaware of a balance even being due. So they then tacked a late fee onto the account, along with another {$2.00} minimum interest charge. And then reported us as 30 Days Late to the credit bureaus. 

The missed payment was during the XXXX shut down while we were dealing with related health complications. 

I've paid the balance due in full, which includes 3 months worth of late fees and 3 months worth of minimum interest charges. We are now out the money and have been left with a 30 day late mark, right in the middle a national pandemic, and while we are right in the middle of underwriting to close on our home, which is located in a completely different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: DISCOVER BANK
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. 
I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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:
there are unuthorized inquiries and a charge off acount that is not correct

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 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hello, so Ive been trying to contact XXXX XXXX to pay a debt that I have with a closed account with them. The credit card customer support never answers. Ive been calling for about a month now every other day and I get no answer at all. All I get is We are closed try again at a later time Im really trying to purchase my home and I havent been able to get this debt taken care of because of them not answering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Shellpoint Partners, LLC
State: DC

Complaint narrative:
On XX/XX/2021 I sent a letter to the XXXX XXXX department for Shell Point Mortgage regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: GA

Complaint narrative:
For several months now, I have tried to dispute fraudulent items on my report directly with the bureaus and they continue to report fraudulent information on my report. Law states they have 4 days to block fraudulent accounts. I sent everything they asked for per phone call. I have proof of me sending correspondence to them because I sent them certified mail and I know they received them. They did not fix the errors on my report. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I received an unknowingly fraudulent text message from PNC bank stating I was attempting to make a purchase for {$900.00} at XXXX with the last four digits of my debit card and if valid reply YES if fraud reply NO. I replied NO and immediately received a call from PNC fraud prevention phone #. The man on the line stated he was from PNC fraud prevention and that my debit card was attempting to be used at XXXX in FL, he said my card was compromised and that they would be cancelling my current card and sending me a new one. He also stated that I had outgoing wire transfers pending which I also stated was not me and fraudulent. He stated he needed to verify identity by sending a code by text message and me repeating the codes to him. The call became disconnected and I went to my computer to log in to my PNC online banking to see if anything posted. It would not allow me to login stating I had incorrect password. I saw in my email that my password had been changed, which I had not changed it. I immediately called PNC fraud # back and they stated there was no record of call to me and that I had two wire transfers in process totaling {$1900.00}. I asked them to immediately cancel transfer because I did not authorize this. I was told then wire department had to be contacted to complete this. I waited on hold with PNC for almost two hours and then left work early and went to PNC branch in XXXX XXXX IL. I spoke with XXXX there who tried for another two hours to contact wire department. I again called the next day Friday XXXX on was on hold for 4hours 36 mins and unable to get any assistance or get call through to wire department. I again went to PNC branch and spoke with XXXX and XXXX who stated they would escalate my concern to management and I will receive a call. I have not received any correspondence back now on XXXX. My account which had {$1900.00} balance was completely drained and two payments of {$500.00} and {$210.00} that I had sent to pay a credit card were overdrafted from my account and then put on a PNC credit card along with getting charged {$50.00} dollar wire transfer fees, {$50.00} dollar overdraft fee, and {$43.00} cash advance fee. My PNC credit card that I had {$0.00} balance now has {$760.00}. Please help I have never made a wire transfer XXXX and was not even aware this was possible through online banking. I was hacked and should have zero liability fraud protection for this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC
State: TX

Complaint narrative:
On XX/XX/2021 account open for the amount of XXXX with XXXX XXXX XXXX. And on XX/XX/2021 collection account was posted on my credit for same amount of XXXX. I have filed a fraud dispute on this. The collection company named orions management group was contacted 3 times to take this off my credit report. They have unwilling to do so. After I have said the number or the social security number don't match my identity. But someone used my name and address. So they put this debt on my credit. I also tried to contact XXXX XXXX XXXX  but they don't exist anymore. So I'm here to get help with you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: LA

Complaint narrative:
I wrote the credit bureau on XX/XX/2021 about inaccurate accounts that are still on my credit report. I'm filing this complaint because they did not respond within 30 days and they did not conduct a proper investigation and they continue to report inaccurate accounts without providing their method of verification, which are all violations of the FCRA. I have written letters to the furnisher 's like the credit bureau told me to and they are not investigating either. I don't understand this because they law is plain and simple. They must investigate and correct or delete the inaccurate information. Please help me CFPB because they are not following the law and this is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After careful review of my Trans Union credit report I see there's an account reporting that I'm not familiar with. I have never done any business with this allege company XXXX XXXX XXXX, nor will this allege company be able to provide trans union with any contractual proof that they are legally obligated to report any allege debt on my trans union credit file. XXXX XXXX XXXX has never sent me any correspondence verifying there existence. If trans union continues to report this fraudulent account they will be in violation of multiple FCRA and FDCPA violations.

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 2022-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I had a loan with XXXX XXXX XXXXXXXX during my time with them I was enrolled in the covid relief forbearance program. I was approved for a partial claim in XX/XX/2021 and then my loan was sold to PHH in XX/XX/2021. Was loan sold to PHH I was put on another forbearance plan but started making regular mortgage payments. Phh applied my payments to the months of XXXX through XXXX which the partial claim had covered. I requested in XXXX that investigate the payment issue an partial claim. I've made 4 payments to PHH for the month of XXXX XXXX XXXX and XXXX which were due when transferred in XXXX. Since then I have followed up with both servicers an received no help but instead I received an intent to foreclose letter from PHH. PHH denied my payments for XXXX and XXXX. As of today XX/XX/XXXX I still haven't received any help or resolution. Thank you for your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
In a letter from Wells Fargo Bank dated XX/XX/XXXX I was informed that there was an attempt to open an account in my name on XX/XX/XXXX. 
XX/XX/XXXX : I visited the Wells Fargo branch on XXXX XXXX. in XXXX DE and was informed by XXXX XXXX XXXX XXXX that the branch could not help me and told me to call online fraud. 
I filed an identity theft report with the XXXX XXXX XXXX DE Police Department. 
XX/XX/XXXX : I contacted XXXX at Wells Fargo Online Fraud, reported the fraud, was given a case number, told what steps I needed to take and was told I would be notified of the outcome within 30 days. 
XX/XX/XXXX : I received a letter dated XX/XX/XXXX from XXXX XXXX of Wells Fargo Loss and Recovery Operations, Identity Theft Assistance Team. It detailed all the information required from me to receive the information that was fraudulently used on the application in my name. 
XX/XX/XXXX : I sent certified mail containing all the information requested to Wells Fargo. They received it, signed for it but neglected to date it. 
I have since made numerous calls. Spent hours on hold having to hang up with no answers or satisfaction. 
XX/XX/XXXX : I was on hold for 1'50 '' and once connected to the wrong department. 
XX/XX/XXXX : Today, as I fill in this form I'm on the phone with Wells Fargo. It's been an hour and forty - five minutes now and I've been connected to four different representatives, am presently on still hold. 
I was promised the personal information that was used to apply for the account in my name within 30 days. It's been 3 months and no information received. 
Wells Fargo XXXX XXXX : XXXX CCM Number : 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 monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Service Finance Holdings, LLC
State: OH

Complaint narrative:
Service Finance Company , LLC has attempted to contact you regarding your account related to the HVAC project completed by XXXX XXXX XXXX-XXXX XXXX Service finance is a loan company for XXXX XXXX XXXX  XXXX XXXX When I owned a property I bought an air conditioner and a furnace from them. The house was foreclosed upon by the bank. XXXX XXXX XXXX XXXX has lien rights on the property and should have been paid when the underwriting took place for the new owner. I do not live there and it is not my debt when the bank foreclosed and resold the property. I have tried repeatedly o explain the law and the process of liens to their collections team. I have even offered to help but they insist it s my debt. I have asked for a call from management and have not received one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. 1.XXXX XXXX. 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX XXXX XXXX 10.XXXX XXXX. 11.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was issued a Bank of America XXXX prepaid card. I was unable to use the card within the first 6 months of issue due to COVID. The card expired. The company has kept the {$100.00} and closed the account even though by law I should have been given 5 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: NJ

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this credit bureau over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the XXXX data breach and may have got in the the hands of the wrong person.

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 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Loan Servicing ( aka NewRez ) continues charging me {$1400.00} each and every month for my escrow/impound account, when the actual yearly total of my taxes and insurance is only {$8800.00}. Therefore, the monthly payment for the impound account should only be {$740.00}. I have asked them multiple times to correct this through an escrow account analysis or, alternatively, to remove my escrow account and allow me to pay taxes and insurance myself, but they refuse.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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:
Account says charge off and that is not correct please investigate or delete file CREDIT COLL

Company response to consumer: Closed with explanation