vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: VA

Complaint narrative:
i reported the theft of my identity of federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: MI

Complaint narrative:
I have multiple fraudulent accounts listed on my credit report that do not belong to me. I have submitted multiple ftc reports and multiple police reports and the accounts are still on my credit report. I have also pointed out that the credit acceptance fraudulent was reporting different balances on on the reports and then two weeks later they didn't remove the account like they were supposed to, they just updated the balances to all match. This is in violation of my FCRA as a consumer. I will be pursuing litigation on this matter.

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 2023-02-20 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: MI

Complaint narrative:
I have multiple fraudulent accounts listed on my credit report that do not belong to me. I have submitted multiple ftc reports and multiple police reports and the accounts are still on my credit report. I have also pointed out that the XXXX XXXX fraudulent was reporting different balances on on the reports and then two weeks later they didn't remove the account like they were supposed to, they just updated the balances to all match. This is in violation of my FCRA as a consumer. I will be pursuing litigation on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Since I received this credit card in XXXX I have not received the 5x rewards promised in the card agreement when using the card at XXXX XXXX. In XXXX when I contacted XXXX regarding missing 5x rewards ( I had received 1x ) XXXX reviewed my account and then manually posted the 5x rewards. In XXXX XXXX advised me that Comenity Bank had a technical problem and would post the rewards within the few weeks after my purchases in XXXX and XX/XX/XXXX. The 5x rewards were never posted. 

When I followed up, I was told that Comenity Bank would solve this problem. When I contacted Comenity Bank I received vague comments about technical problems that were being addressed. I also received generic emails from Comenity Bank advising that they were addressing technical problems. This seems to continue for month after month without any resolution. 

I made purchases at XXXX using the XXXX card due to the 5x rewards that are prominently featured throughout the local store and online. I am baffled as to why I only receive 1x rewards and have received no solution from XXXX or Comenity Bank. I followed the terms of the card agreement and I expect the same from XXXX and Comenity Bank. 

The purchases that are missing the 5x rewards were made on XX/XX/XXXX ( missing XXXX points ), XX/XX/XXXX ( missing XXXX points ), and XX/XX/XXXX ( missing XXXX points ). While the dollar amounts are not large it is a benefit I was told that I would receive. 

No one at Comenity Bank or XXXX has taken a leadership, customer-oriented role in helping me solve this so that my ongoing efforts for the 5x rewards were not needed. Instead, I have been essentially brushed off when I have requested help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
Western Union Refuse to process my transaction for the past 3 years, when i called and speak with the agents they said they are unable to tell me why they can't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This company continues to report negatively on my credit after disputing numerous times that I have no relation to them or the company they represent. When I tried to speak with them they say it's my responsibility to prove the debt is not mine. I have disputed this for sometime now and the company is not listening. They have not been able to provide proof of this debt and they need to verify their information with their client,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
As Shown in the paperwork, I paid for a XXXX shipment. Now, Transworld Systems Inc ( tsi ) is trying to collect for the same charge. 

tsi Reference File Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/23, I submitted a written dispute by mail to Experian ( Exhibit A attached ). I disputed this item XXXX XXXX Charge Off. 

I included a copy of my driver license and social security card to make it easy for them to confirm my identity. 

In response, I received what appears to be an automated e-mail stating that the request does not appear to have come directly from me. ( see Exhibit B attached ) I believe this is an attempt by Experian to ignore my request by blaming automation instead of reading my dispute and conducting an investigation according to my rights. 

Many of my letters have received the same response despite my including personal identification documents to prove I directly sent the dispute.

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 2023-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Between XX/XX/2023 and XX/XX/2023 an inquiry made by CAPITAL ONE was added to your credit report. 

Capital One! XXXX CAPITAL ONE XXXX, VA XXXX ( XXXX ) XXXX I did not apply for a new line of credit. 
I did not give permission to apply for a credit card or any other services through CAPITAL ONE. 

This is FRAUD or IDENTITY THEFT. 

I have reached out and tried contacting the number above, it only leads to a automated teller trying to sign me up for a new credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Applied for loan modification three times with Wells Fargo all three times I ended up on the sheriff 's list to sell my house yet Wells Fargo kept telling me they were trying to do a loan modification which turned out to be nothing but lies they wanted my house because I had equity and it was worth a lot of money.

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 2023-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Upon exiting forbearance, I applied for the Homeowners Relief Fund and received an escrow payment from the state of Florida. However, I have recently been informed that my payment projection for this year includes over {$4000.00} in escrow fees that I apparently owe. I attempted to address this issue in XXXX of last year by contacting the responsible party, but have yet to receive a response as of today, XX/XX/2023. Unfortunately, I am currently unable to make a payment of {$1700.00} due to the fact that the funds from the state of Florida were applied incorrectly. As a result, I have spent numerous hours attempting to resolve this matter, but every time I manage to speak with someone, I am placed on hold and the call eventually drops. It is unacceptable that I have had to invest so much time in resolving an issue that was caused by their mistake. I am seeking assistance in resolving this matter and reclaiming the time and effort that I have lost due to this situation.

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 2023-02-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had booked a trip with a travel agency ( XXXX ) for a hot air balloon ride in XXXX. The trip cost included- 1. Pick up and drop to the hotel. They would pick us up from our hotel, take us to the balloon ride spot and then drop us to our hotel 2. One hour balloon ride The trip operator did not pick us up or drop us from the hotel. Instead we had to arrange our own ground transportation.

The balloon ride lasted 25 mins instead of the 1 hour advertised. 

I tried to resolve this with my credit card company ( AMEX, with which I had booked the trip ) and with the tour agency but my request for refund was rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I received statement In XX/XX/. Billing cycle end XX/XX/, payment due XX/XX/ with balance due XXXX. I paid entire balance XXXX on XX/XX/XXXX. Come mitt assessed a {$2.00} minimum interest charge on the XX/XX/ statement even though the account at that time had a XXXX balance. This is contrary to the terms of the account which I have from the time of the opening. Because I was under the impression that I had a XXXX balance, which I did I did not evaluate to make further payments. Comenity continued to charge me late fees and interest on late fees on that two dollar balance that should not have been assessed to me in the first place. I did not realize until they started calling me in XX/XX/ that I even had any of these charges because again, I never should have been assessed the XXXX dollar fee in XX/XX/ in the first place. My credit report now indicates that I have a serious delinquency 60 day late payment from this creditor. When I contacted Comenity via phone, they reversed the late charges, but told me that I owed them XXXX dollars which I paid immediately just to be finished with the situation. I also at that time requested that they account be closed which they still have not done. Now strangely, on my open account, I have a credit of XXXX cents. Additionally, I have attempted to dispute this through XXXX, and nothing happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20 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: OH

Complaint narrative:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
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 2023-02-20 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: Penn Credit Corporation
State: OH

Complaint narrative:
This account has been reporting for 3-5 months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This Penn Credit ( AEP ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit 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 non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Name : XXXX XXXX Bank : Capital one Account number XXXX Car. XXXX XXXX XXXX I am making my monthly payments and they keep saying my account is past due. 

I am making my monthly payments and they said my account has been assigned for repossession. 

On the first day I drove the car off the lot after financing, I logged into capital one app and it instantly says I owe XXXX . 

I just financed the car afresh and I am not supposed to have a huge outstanding balance like that. 

I told them to roll it over to the bill because it was already there when I financed the car and they refused and kept harassing me about it everyday. I put down a XXXX $ Car and XXXX $ cash when I was financing the car, I wasn't supposed to have another XXXX $ due instantly on the account. 

Capital one basically calls and spams my phone everyday, even though I am making my monthly payments. This should be unacceptable. 

There was covid and I defaulted. I called them when I was ready and asked what do I need to do to avoid repo and they said pay so so so amount and I payed it. Then instead of me to go back to my normal XXXX dollar a month, they kept harassing me about the XXXX $ that was due on the account on the first day I picked up the car. 

I am paying my monthly bills and they keep spamming my phone and emailing me and threatening me everyday about repossession. This kind of practices should not be allowed in the modern world. 

Right now I am paying my monthly and they said my account has been assigned for repossession. 

How can you assign my account for repossession when I am making my monthly payments? 

Please email capital one and tell them to roll over any outstanding fees to the overall debt and stop harassing me everyday by email and phone. 

Please help me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Security Credit Services, LLC
State: NY

Complaint narrative:
I submitted a dispute online to XXXX regarding my collection account. I wanted to dispute the validity of the debt with proof, over 3 months ago and never heard a response back they just ignored the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have tried since XX/XX/XXXX to access my Affirm account via cellphone, as Affirm suggests, but have been unsuccessful due to Affirm Log In issues. 
Affirm Customer Service via the phone has told me that they would advance my account to a supervisor who would send me a email reset so I could relink my cell phone number to my account. This mysterious email has never happened and I have no access to be able to either apply for new Installment loans, pay any current or outstanding Installment loans, or even update my account and see its current status. 
I feel like my concerns are not being taken seriously by Affirm and the entire lack of follow thru, follow up, and at least decent customer service is severely lacking within the Customer Service Division of Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Original Creditor account is already 4-5 years old. A new company is showing on credit report as newly opened in 2021. It's stated NOT to communicate with creditor if it is an old account for that may, " reset '' the time clock of responsibility showing on credit report. I have had NO contact with new company, but it shows as fairly new account. This is not a fair practice as account is actually old and should be falling off my report. Original Creditor may have an account with newer company showing on my report, however, I DO NOT, and NEVER HAVE had an account with the new company, nor have I had ANY contact with them. PLEASE HELP, I've been dealing with this issue for far too long.

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 2023-02-20 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: NC

Complaint narrative:
XXXX XXXX XXXX, is improperly calculating my FICO Score XXXX. The date you opened your oldest bankcard or credit card account is too recent XXXX. Lack of sufficient credit history XXXX. Lack of sufficient relevant real estate account information XXXX. Balances on bankcard or credit card accounts too high compared to credit limits

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have NOT have any services, products that this company is claiming. I have submitted electronic disputes repeatedly. They continue to report it on my credit report. I have statements indicating that the account is Not mine. They insist demanding that is my account. The personal information they have on me does Not match my information. Like Social security, account number and products they claimed I purchased.

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 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
National Credit Adjustment Balance {$1200.00} Date Opened XX/XX/2022 This account has been disputed several times due to identity theft. The collections agencies continue to resale this debt for collection activities and I have provide the police report in regards to my personal information being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: MI

Complaint narrative:
Company has XXXX XXXX XXXX reporting on my credit report and it is incorrect and unknown. Have been disputing with company for over a year and still no resolution.

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