vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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: NJ

Complaint narrative:
On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.

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 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 a dispute was filed that I never filed. My XXXX XXXX was a XXXX, now I have no credit history. This is terrible since now I have no credit history while Im trying to buy a car. This needs to be fixed, how can my score go from XXXX to nothing. Im still on the card that was disputed I need this fixed now. I need it fixed as soon as possible. My name is XXXX XXXX and I need someone to call me and explain at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: GA

Complaint narrative:
IVE DIPSUTED THESE FRAUDULENT ACCOUNTS SEVERAL TIMES. XXXX  AND XXXX  HAVE REMOVED THEM. EXPERIAN IS THE ONLY BURUEA THAT HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THIS CANT BE LEGAL. IT SEEMS AS IF EXPERIAN IS TRYING TO SABBOTAGE MY CREDIT PROFILE BY NOT REMOVING THESE FRAUUDLENT ACCOUNTS 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 explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: LA

Complaint narrative:
We have tried since XX/XX/XXXX to resolve this issue with our present Mortgage Company, PNC Mortgage, as well as reaching out to the previous mortgage company ( XXXX ) and the appraisal company we were given of XXXX XXXX ( now known as XXXX  ). 

We received a mortgage bill that included a line item for " Past Other Fees '' for {$390.00}. There was no separate invoice or letter explaining what this sudden charge was for. We contacted PNC on several occasions to get an explanation and we requested by phone for a separate bill advising us what the charge was for. We were finally advised on a long call with a customer service representative that this was for an appraisal done XX/XX/XXXX for XXXX XXXX ( previous mortgage company ) by XXXX XXXX. No one could tell us why PNC was charging us for this now, after 5 years. No one has let us know whether this was paid, or why PNC is billing us for it 5 years later. We did find out from XXXX that XXXX did order an appraisal when the PME was dropped, but we don't know whether we were notified when this happened ( or billed or should have been ), we still do not know whether XXXX paid XXXX  XXXX or no one was paid, and if we were supposed to pay why we were not officially notified and billed. 

We are submitting a written request for information today to PNC as we are still waiting from our calls in the Spring XXXX to find out who paid who -- or not. 

We are willing to pay this bill, if it is correct and we have all of the information in a letter and or invoice detailing what we are being charged for and who was paid. 

We do not want this to effect our credit, nor our good standing with our loan ; however, we are getting concerned that we have still not received the information we requested in writing from our many phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: GA

Complaint narrative:
On XX/XX/2020 I requested that TransUnion investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX XXXX Acct # XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. 

On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised XXXX  that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX XXXX Acct # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have been trying to have this debt validated for years. It is for something/medical related in a state that I do not live in nor have ever lived in. I have sent numerous ( 5 ) validation letters to the creditor listed on my credit report, all of which have been returned to sender. I have also disputed the debt with credit bureaus, both XXXX  and XXXX  were also unable to validate this debt resulting in deletion. XXXX  continues to report a debt that I personally believe to be past 7 years, but the collection agency keeps reporting it newer and newer. I asked XXXX  to delete it as it is past the 7 year window, but also as they have not validated the debt nor has the creditor - which is a violation of my consumer rights and why I am escalating it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
IVE DIPSUTED THESE FRAUDULENT ACCOUNTS SEVERAL TIMES. XXXX  AND XXXX  HAVE REMOVED THEM. XXXX  IS THE ONLY BURUEA THAT HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THIS CANT BE LEGAL. IT SEEMS AS IF XXXX  IS TRYING TO SABBOTAGE MY CREDIT PROFILE BY NOT REMOVING THESE FRAUUDLENT ACCOUNTS 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 explanation
Consumer complaint received 2020-10-02 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: V and H Portfolio
State: GA

Complaint narrative:
IVE DIPSUTED THESE FRAUDULENT ACCOUNTS SEVERAL TIMES. XXXX  AND XXXX  HAVE REMOVED THEM. XXXX  IS THE ONLY BURUEA THAT HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THIS CANT BE LEGAL. IT SEEMS AS IF XXXX  IS TRYING TO SABBOTAGE MY CREDIT PROFILE BY NOT REMOVING THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Please reference complaints XXXX & XXXX - XXXX. The main complaint against Capital One has not been fixed. 
1. There are 2 ID Theft debts that they refuse to close with the requested paid in full letter, full removal from all 3 credit bureaus, and full removal from all 3rd collections parties. 
-Capital One - XXXX - TXXXX XXXX XXXXt {$430.00} -Capital One - the acct. ends in XXXX - XXXX XXXX XXXX {$700.00} 2. I have continuous harassment from collections ( hits to my credit and harassing phone calls ) in which the original credit company is XXXX XXXX. Capital One is selling old ID theft debt repeatedly to collections companies. The list is as follows so far, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Capital One just sent a letter stating that they sold XXXX XX/XX/2020, to XXXX XXXX XXXX, XXXX. However, the collections was/is from XXXX XXXX, and XXXX XXXX XXXX, so I have no idea where it is.

3. This is a violation of my Fair Credit Reporting Act ( FCRA ) by sending to these 3rd parties as well as harassment.

4. Capital One is refusing to close or even identify these thefts. I have sent every required requested item to them. Ive sent 2 FTC ID Theft reports, notarized affidavit, several validation letters that have gone unanswered with valid information. Letters were sent by certified mail as well. 
The above main cfpb complaints have been answered sort of : 1. Capital One Reply Letter - XX/XX/2020 -Capital One ending in XXXX XXXX XXXX XXXX   {$700.00} ID Theft debt has not been put on our credit yet, and Im receiving harassing phone calls. 
XX/XX/2020 Letter states - that XXXX - XXXX XXXX XXXX   {$430.00} debt was removed from the credit bureaus, it was sold to XXXX XXXX XXXX, and that we do not owe Capital One a balance anymore but we may owe some other collections agency. There is still no requested paid in full letter. 

2. Capital One Reply Letter - XX/XX/2020 -Again, nothing noted on the Capital One ending in XXXX XXXX XXXX XXXX {$700.00}. Capital One has refused to send a paid in full letter, validation of debt, or removal from 3rd parties. 
XXXX letter states - that XXXX - XXXX XXXX XXXX {$430.00} debt. After 3 days, this letter states that this debt is now valid, and there are no signs of fraud after they had just stated that we no longer owe a balance on this debt. This means that Capital One made no real attempt to remove/investigate the fraudulent account. They will continue to make money selling my fraudulent debts to 3rd parties for years to come. I the cfpb doesnt help, I will never be free from Capital One and their illegal acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: GA

Complaint narrative:
This item is beyond the statute of limitations and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I tried to use the advertised return benefit protection on my card for a purchase made on XX/XX/2020. Its an absolute pain to start a claim with WF because they're website and claim forms are all directing to different phone numbers with terrible customer support and missing key information eg. where to send documentation for a claim. 

I received an email after submitting the claim from XXXX XXXX  @ XXXX XXXX ( apparently two separate benefit providers for the same WF XXXX card protection ... thats 4 different companies involved for one benefit ) and was told to call a phone number for instructions. After over 2hrs and 10+ phone calls being bounced around by offshore customer service reps, I got disconnected for the last time and gave up. This is a terrible experience trying to send in the item that I opened the claim for. The last rep said " my contract had expired '' ... what contract? I submitted a claim ... I dont have any contract. I was then sent over to a contract team where I was promptly hung up on.

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 2020-10-02 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: MI

Complaint narrative:
my identity was stolen and used to purchase multiple fraud accounts. i have reported to the FTC multiple times about this matter as well as made a police report and nothing has changed. this is not fair and i would like some results immediately and also would like to be treated like a priority. This is getting ridiculous and i am tired of getting the run around. 

XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$530.00} XXXX/XXXX   XX/XX/XXXX {$770.00} XXXX  XX/XX/XXXX {$630.00} XXXX   XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX {$630.00} XXXX  XXXX  XX/XX/XXXX {$560.00} XXXX/XXXX  XX/XX/XXXX {$660.00}

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 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
sent a validation letter never received a responds..its been beyond 30 day.request this account be deleted immediately ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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:
On XX/XX/2020 I requested that Equifax investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. 

On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I XXXX XXXX XXXX MADE A CALL TO THIS COLLECTION AGENCY REGARDING A DEBT OWED IN THE AMOUNT OF XXXX IHAD SPOKEN WITH A GENTELMENT WHO WAS EXTREAMLY RUDE I EXPLAINED TO HIM THAT THE ADRESS ON THE LETTER WAS WRITENT IN TWO DIFFERENT WAYS.. 

THE REPRESEBTATIVE SAID I DONT CARE, .. HE KEPT STATING ARE YOU GOING TO PAY THIS DEBT YES OR NO I SAID IS THAT HOWXYOU TREAT THE PATIENT THAT OWES THE DEBT, I ASKED FOR VALIDATION OF THE DEBT AND FOR A MANAGER .. HE HUNGED UP ON ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I spoke with Sequium I ask them for proof of debt but they said they dont have it since the bill is owned by XXXX XXXX XXXX. They wont pay for deletion even when they have an old address of mine in XXXX XXXX. I never had communication with them. This is unfair that am trying to make this right and they refuse to help me. My account number is # XXXX XXXX XXXX XXXX account # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NE

Complaint narrative:
I received a short-term loan via XXXX for {$1100.00} on or about XX/XX/2020. 
I have paid two installments on the loan for {$390.00} each, so total paid is {$790.00}. 
On XX/XX/2020, I called and emailed ( 6 times ) to change my payment method to a different bank. 
I sent a copy of " old '' payment method blank check and a copy of my " new '' payment method bank statement per XXXX  's request. They replied that they could not read the bank statement, and even though I had stated multiple times that the " old '' account had been closed, they attempted to withdraw the payment from closed account on XX/XX/XXXX. 
When their debit was returned " closed account '' they automatically charged me an exorbitant amount and now say I owe them {$3900.00}!!! 

Please intervene as soon as possible. All customer service representatives ignore ( d ) my requests to change payment method.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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 with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
TransUnion I have two issues with this company. Number one, my score is SEVENTY FIVE points lower than both XXXX  & XXXX. It is impossible to get through to an agent. We are trying to obtain a home loan, and there is no way to communicate with this company in a timely manner. They are owned by XXXX XXXX, this is owned by the XXXX. Why in the world do you let the words largest bankers run a credit reporting agency? 

Secondly, when TransUnion asks you to sign up for an account, they DO NOT mention AT ALL there is a {$24.00} fee for credit monitoring. If you look, there and thousands of complaints about this. 

None of this is acceptable. I demand my {$24.00} back, and I am contacting the Delaware Attorney General to file a complaint against TransUnion. 

We bailed out these people 12 years ago, now during a pandemic we are getting crapped on. I will not tolerate this.

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 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation