vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 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:
I have reviewed my report XX/XX/XXXX noticed there are several items on my report that are being illegally reported. There are inaccuracies and inconsistencies in the reporting status listed on the accounts shown. Based on FCRA 611 ( 5 ) ( ii ) I sent in a dispute showing the inaccurate information and requested it to be deleted. I received resulted from XXXX that showed to accounts " updated '' Once I looked at the updated copy of my report I noticed that nothing about the accounts in question were in fact updated. However, I notice a late payment that I asked to be reversed had changed months originally it was reporting late in XX/XX/XXXX it now shows XX/XX/XXXX I spoke with a CRS at XXXX and she stated the XXXX XXXX verified there were No late payments XX/XX/XXXX based on the FCRA 611 ( a ) ( 1 ) ( a ) I sent in a reinvestigation letter and on XX/XX/XXXX I received results saying the account 'updated '' after reviewing the updated credit report there were no changes. 

This is a complete violation of the Fair Credit Reporting Action FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 611 ( 5 ) ( ii ) and I would like this information removed from my credit report ASAP

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 2021-10-04 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 reviewed my report XX/XX/XXXX noticed there are several items on my report that are being illegally reported. There are inaccuracies and inconsistencies in the reporting status listed on the accounts shown. Based on FCRA 611 ( 5 ) ( ii ) I sent in a dispute showing the inaccurate information and requested it to be deleted. I received resulted from XXXX that showed to accounts " updated '' Once I looked at the updated copy of my report I noticed that nothing about the accounts in question were in fact updated. However, I notice a late payment that I asked to be reversed had changed months originally it was reporting late in XX/XX/XXXX it now shows XX/XX/XXXX I spoke with a XXXX at XXXX and she stated the XXXX XXXX verified there were No late payments XX/XX/XXXX based on the FCRA 611 ( a ) ( 1 ) ( a ) I sent in a reinvestigation letter and on XX/XX/XXXX I received results saying the account 'updated '' after reviewing the updated credit report there were no changes. 

This is a complete violation of the Fair Credit Reporting Action FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 611 ( 5 ) ( ii ) and I would like this information removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CA

Complaint narrative:
This card is being reported as individual and it's a corporate credit card. This should not be reporting to me. 


Account info Account name XXXX CARD Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$64000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$1500.00} Credit limit {$57000.00} Highest balance {$67000.00} Terms NA

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 2021-10-04 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: LA

Complaint narrative:
Hi, my name is XXXX XXXX and I am a victim of identity theft. I think a family member XXXX have gotten a hold of my social and began to start utilizing my credit in order to attempt to get loans and other goods. I called TransUnion and they told me to file the proper FTC paperwork and attached below is that paperwork.

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 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CCS Collections reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021, and XX/XX/2021. I have no idea how CCS Collections received my personal medical information. I have not agreed to do any business withCCS Collections, I have not received any goods or services from CCS Collections, nor am I responsible for their debt collection purchase from their alleged client. CCS Collections, has flagged my credit before without first proving their account ( s ) belong to me. Each time CCS Collections failed to validate their debt. CCS Collections have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. CCS Collections continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I will upload proof upon request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The three reporting credit agencies are incorrectly reporting my XXXX  SCORES! 
I have been of Identity Theft, the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Department of Defense, Military Hospitals, Scams, department stores, lies about credit inquiries, lies about my debt ratio, lies about large balances, etc. THESE REPORTS ARE NEGATIVELY AFFECTED ME TO GAIN HOUSING WITH THE ADVERSE ERRONEOUS DATA. I AM GRAVELY IMPACTED. XXXX DID NOT PROVIDE CREDIT RESTORATION OR CREDIT MONITORING FOR MY CHOICE IN THE SETTLEMENT. Please help me to restore my CREDIT WORTHINESS FOR WHICH I WORKED MY LIFE TIME. Thank you.

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 2021-10-04 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: UT

Complaint narrative:
I have a mortgage loan with LOANCARE. they are reporting to the credit burau the account is " FHA REAL EA+STATE LOAN ; ACCOUNT INFORMATION DISPUTED BY CONSUMER.

I called the company and said I no longer dispute the account information and would like this removed. The company said to fax a written request to a number they gave me and they would remove this. I did this. they didnt remove it. I called back and they said they refused to remove this information and laughed at me. I asked why and they said because they do need to change this regardless of the fact I dont dispute this information. They are refusing to remove this so I have to continue to pay them higher interest than the market

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/2021 there was attempted fraud on my bank account, so I had to close it and I opened a new account with the same bank. The bank honored my auto payment obligations while I notified the credit cards of the changes in my account number. I evidently neglected to notify Care Credit of the change. When I received a call on XX/XX/2021 notifying me that my auto payment didnt go through, I gave them my new banking account information and made the payment of the full amount ( {$1300.00} ) using my new debit card. 
Somehow, Care Credit claimed they didnt receive my payment although my bank account showed they did. They required that I prove it, and I did. I sent them a fax with the form my bank gave me to prove payment. They acknowledged their mistake and I thought that was over. Then, my next payment of {$1400.00} did not go through and I called to see why. The agent had transposed the numbers in my bank account, so the payment didn't go through. I corrected their mistake and had them read it back to me to make sure they had it correct. Then they processed my payment. 
I tried to use my Sams Club credit card and it was declined. I had already seen that my Care Credit card had been canceled and I thought the agent had misunderstood me and cancelled it in error. I was told that the Sams Club card was cancelled due to fraud on the account.

My Care Credit statement showed interest charges and a late fee on it. I called and they reversed these charges. But, they told me my card had been canceled due to attempting to pay with a closed account. I have always paid my balances on time. I have done quite a lot of business with Sams Club and Care Credit. I have spent hours on the phone with my bank, with Care Credit reps and having to fax a document to prove your company mishandled the funds they collected on XX/XX/2021. 
It turns out Synchrony also handled my Lowes credit card. So they cancelled all three of my accounts. The reason was : dishonored payments on accounts with Synchrony Bank. So, I lost all my reward points on my Sam 's and Care Credit cards. This caused a financial loss. 
I have already sent them a letter dated XX/XX/2021 requesting they correct their error. Today I was read a statement they issued and filed with my account dated XX/XX/2021 that they stand my their decision. I imagine I will get a copy of this letter from them stating this.

I called to confirm they have the correct banking information for my final payment to Care Credit, but I am nervous that it will get mishandled again.

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 2021-10-04 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:
On XX/XX/2021, I filed disputes with XXXX, TransUnion, and XXXX. XXXX fixed the issue. My complaint involves XXXX XXXX TransUnion. Despite having submitted evidence of identity theft, and supporting documents ( police reports from the XXXX XXXX Police Department, XXXX XXXX Police Department, XXXX Police, and XXXX Sheriff 's Office, along with the FTC Identity Theft Report, and Identity Theft Victim 's Complaint and Affidavit ) to XXXX and TransUnion, never conducted a human investigation. Instead, XXXX and TransUnion reduced all my evidence to a three-digit code and used an automated system to " investigate '' my dispute. The alleged creditors " verified '' the information as accurate. I've asked XXXX and TransUnion to provide me the " Method of Verification '' and both are entirely unresponsive to my requests. Have submitted repeatedly disputes the same accounts over and over and they have not given resolution to my disputes and now have been locked out of my on-line account. Initially, XXXX appeared to have conducted a human investigation, and initially deleted the disputed items but then placed them back on my credit profile AFTER having determined they were subsequent to identify theft.

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 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
On XX/XX/XXXX a Collection Notice was sent to me for the amount of {$36000.00}. I received the letter on XX/XX/XXXX. 
I called Activate Financial LLC the same day, after verifying that they were a real firm and that this was not a scam. I was told that SS, date of birth, address matched those of the debtor, and that the debt was incurred on XX/XX/XXXX. I assured them that this was not a debt that i had incurred but they insisted it was me and are sending me more information to " jog my memory '' I believe a simple credit search would have cleared this up but that was not going to happen. I have apparently been a victim of Id theft and i hope this is the only Instance. Or this was indeed a scam and I unfortunately gave them some of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The application for credit card was submitted online XX/XX/2021 I received a suspicious phone call from American Express XXXX stating they were from the fraud department of American Express asking me to verify my full SS # not the last four digits, I was not able to comply with giving my personal information to an unknown person, it is very suspicious of a credit card company to send a letter be sent from my bank to verify my home address and that they were unable to verify my SS #, in todays modern technology all information of previously accounts with any credit card company closed or open account access you have to have a legal record of accurate information is sent to the credit bureaus the matter of their verification of my information is not needed if they are the actual credit card company all the information is in the database records. 
My name address is the same previous account no with American Express all is verified by the Credit Card Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Originated a credit card with Zales/Comenity under a promotional program. The sales person advised me that as long as the balance on the purchase + a fee of XXXX was paid off byXX/XX/2022 there will be no additional charges. After having paid off {$2100.00} of the original balance of {$2300.00} within a few months, I am being told that an additional charge of about {$30.00} will be levied since I didn't make periodic monthly payments. This is entirely inconsistent with the terms described to me at purchase. 

The first person that I spoke to was extremely rude and challenged me on my understanding of the terms, as provided at time of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
I filed another complaint about American Pacific Mortgage awhile back. It had to do with the removal of PMI from our mortgage. They responded and began to try to help me, but it seems they are back to dragging their feet and doing a half XXXX job on top of it. After they did a reappraisal, I disputed it stating that they compared our home unfairly. Im quite certain there is a conflict of interest as the reappraisal was quite low compared to homes sold around our area at the time of the appraisal. They have asked for a list of comparable homes, which I have sent, and not heard back on any action taken on their part. The only thing I received are letters with outdated financial numbers or letters stating that I should fill out the attached form and send it back ( there was no attached form ). It seems to me that they have protocol letters that they do not even bother to read to verify accuracy and send them out blindly. The last email I received stated I need to pay a certain amount to remove my PMI, which was completely inaccurate since it did not account for the latest appraisal. This company is the most incompetent and half assed group of people I have ever delt with. I have attached the last letter I sent to them disputing our reappraisal. Its been over a month and it seems they took no action and never even updated the first appraisal to give me an accurate number to pay to remove my PMI. Please investigate this horrid company and take necessary action to address any conflict of interest and the long wait times Ive had to endure resulting in outdated information given on their part. They steal peoples money and refuse to do their job. Period.

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 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I was trying to purchase an item from someone I had met on XXXX but had asked me to send him a direct message on a service called discord. After some talk I agreed to purchase his item for {$500.00} and sent him a XXXX  transfer thinking XXXX  was a wells fargo service not a separate standalone service. Minutes after sending the payment the man deleted his information including his email associated with XXXX and discord information as well as XXXX information and there's no way to contact him at all and I was scammed entirely out of {$500.00}. I immediately made a claim with wells fargo and they responded by saying they let the sellers institution know of the transaction and its up to them to get him to refund the money... However he deleted his information, he took the money and is gone and i'm out {$500.00}! and instead wells fargo has chosen to just close the claim and not assist at all. I tried calling and the representative was extremely rude and unhelpful and had completely neglected all my concerns with resolving this matter. I asked the rep if there's any information she can provide to me with the institution of the sellers that I can call and speak to them about receiving a refund and she refused to provide information and after I became irate she hung up on me.

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
My old card was lost so I requested a new card. However when I received the new card I couldnt activate it because the bank put a block in my card/account. I called them multiple times to remove the block so that I can activate my card but why just wont do it. I have been using the card to receive my unemployment benefits payment for a little over 6 months now and its always a problem using the card. Every time I tried to make a purchase ( it could be something as insignificant as buy gas ) they would block it and I would have to call and be asked a whole lot of questions to make sure Im me. Of course every time I would answer all the questions correctly and they would remove the block. However, this time, they refused to remove the block and they also refused to ask me the identity question. I asked them to close my account and send me the remaining of balance via check, they refused to do as well.

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 2021-10-04 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: Westlake Services, LLC
State: CA

Complaint narrative:
I called the company to make arrangements and inform them that i would be slightly late on my payments for XXXX and XX/XX/2021 due to loss of wages due to covid. They seemed sympatric and informed me to pay as soon as possible and they would not report this as a late payment but as a hardship, but still the late payments were reported on the credit. I am currently up to date despite my hardship and currently applying for a new apartment to rent and this information is hindering my report. I would like the late payments forgiven and my profile updated.

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have two credit cards with Chase. On one of them I have 2 active disputes that were closed in favor of the merchant, without me being given a chance to rebut what the merchant claimed. In fact, one of the was a fraud charge and Chase customer service ( some of the WORST I have ever experienced ) either hung up on my face ( 3 times ) or said that information was private and can't be shared. I am the CONSUMER -- nothing should be kept from me. Here are the two charges they rebilled : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  opens menu {$40.00} See details about this transaction XX/XX/2021 REBILL AMZN Mktp XXXX Shopping XXXX opens menu {$46.00} For the Amazon charge, I explained the book seller who failed to send me the book was paid by Amazon already. Chase decided I should pay him an extra {$46.00}. Seriously? I have been your loyal customer for 15 plus years! As for the {$40.00}, this was FRAUD. She ran my credit without my permission and lied and said this charge was for an application to her apartment complex. Again, Chase sided with them!

If this isn't fixed, I am cancelling both cards and advising all family and friends as well as social media that your company is TERRIBLE. Before COVID, your customer service was great -- it's now XXXX.

Company response to consumer: Closed with monetary relief