vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX I received an text message from my bank that there were suspicious transactions on our account. I called the bank and had those transactions cancelled as fraudulent. The bank issued me a new debit card with new information to replace the compromised one. On XXXX XXXX, I received a similar text stating that additional suspicious transactions occurred on our account and I was contacted by a person whose caller ID appeared as Bank of America with their customer service number associated. This individual had both myself and my wife set up XXXX accounts to have the {$3500.00} fraudulently attempted to taken last week returned to our account. Apparently this was the criminals spoofing BofA as they then transferred {$7000.00} from our account and made it look like as if it was sent from us to us. I called BofA and they said they will do what they can to work with the bank that received our money illegally but since we " authorized '' it, the transaction are " legitimate '' according to their policy. Bank of America needs to get our money back NOW and not act like they have no role
in this scam. If they are being misrepresented by criminals to their customers then they need to step up and do more to prevent this fraud from occurring. Real people are being hurt by this and the bank doesn't really seem to care. They are supposed to protect their customers, not be a party to the fraud that is occurring!

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 2021-08-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've submitted a complaint to the credit company regarding incorrect information on my credit report. I have yet to receive a proper response.

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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
credit score is not pulling up also, inquiries does not belong to me XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals

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 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear Sir, My name is XXXX XXXX. 

I have a Wells Fargo XXXX XXXX XXXX XXXX that I use daily when needed. 

In XXXX I made my payment of {$100.00} to Well Fargo, my payment was due the same day I paid my credit card. I was having some hardship due to COVID. 

In the XXXX statement, Well Fargo charged me a late fee of {$29.00}. I called Wells Fargo and explained that I was having some hardship due to COVID and that is why I paid my bill the day it was due. Wells Fargo refused to waive and forgive the late fee.

I am writing to you to ask for your help in this matter.

I always pay my bill on time and I always pay way more than what is due. I believe Wells Fargo should be able to forgive the late fee, Most of the American people are having hardship due to COVID, and credit cards company should not charge us late fees because we paid our bill one day late.
I need your help in getting Wells Fargo to waive or forgive the late fee of {$29.00}.

I am not asking to suspend any payment, just waive the late fee.

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 monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is not my debt and XXXX XXXX has verified its not and never was. I have disputed this account several times and attached proof and it still has not been removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
My account was sold from XXXX  XXXX to LVNV FUNDING LLC. LVNV has garnished my wages twice. Once in the amount of {$70.00} and the second time in the amount of $ XXXX. Even though they have successfully garnished my wages twice, this account is still appearing on my credit report owing {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CA

Complaint narrative:
I reached out to Transunion to dispute inquiries on my credit report first by phone. They indicated that the inquiries were permissible and a record of fact. Fact is something that can be supported by evidence. I then mailed a letter disputing the inquiries and a letter was returned stating that inquiries were permissible and a statement of fact. The evidence : I have no accounts associated with these inquiries : XXXX XXXX XX/XX/XXXX Duplicate inquiries within 30 days! 
XXXX XXXX  XX/XX/XXXX XXXX inquiries within 30 days! 
XXXX  XXXX. XX/XX/XXXX. home purchase inquiry which i didnt purchase a home XXXX XX/XX/XXXX. I have no accounts associated with this creditor XXXX. XX/XX/XXXX. These inquiries are within 30 days of each other! 
XXXX XX/XX/XXXX. Why the repeated inquiries from this creditor? 
XXXX  XXXX. XX/XX/XXXX Were these to be soft inquiries to offer refinancing offers? I have requested a copy of the procedure used to verify and was told they didnt need to verify inquiries. The creditor I contacted has no record of me or requests for my credit file. I have enclosed copies of the section of the FCRA document that XXXX  has willingfully violated to have these inaccurate inquiries appear on my credit file

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 2021-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My payment was due on XX/XX/2021. However, because the terms and conditions of my credit agreement ( XXXX XXXX XXXX ) does not specify a specific time on the due date, I paid my bill at XXXX XXXX  pacific time on XX/XX/XXXX. However, Paypal translated this to XXXX XXXX  eastern time on XX/XX/XXXX, and charged me a {$38.00} late fee. I believe the contract should be more specific in the time a payment is due. Had the contract been more specific, I would've paid on time and avoided the fee.

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 2021-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed a complaint regarding the incorrect information on my credit report. I have yet to get a reasonable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: AR

Complaint narrative:
I recently pulled my consumer report and contacted equifax regarding false and erroneous inquiries on my report. I have done no business with these companies and would like this information cleared immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XXXX XXXX my mortgage payment was paid through XXXX XXXX  bill pay like it has been every month for years. The payment was {$2600.00} and sent to Nationstar Mr. Cooper. This payment was for the XX/XX/XXXX due date. 
On XX/XX/XXXX I paid my mortgage payment through XXXX XXXX  bill pay for {$2600.00} This was for the due date of XX/XX/XXXX. Both times the funds were withdrawn from my checking account. On XX/XX/XXXX I received a phone call from Nationstar Mr Cooper about my missing payments. They did not show that I had made a payment since XX/XX/XXXX ( the XX/XX/XXXX payment ). 
I was asked to provide the bill pay information and my bank statements. I did that on XX/XX/XXXX. I have talked to 7 different people and there is no record of these payments. Although they have my money {$2600.00} x 2 somewhere. The actual payment amount is {$2500.00}. I always pay extra towards principal. Late fees have been added to my account each month that these payments have not been credited. On XX/XX/XXXX I sent a notice of error to Mr Cooper. I was not getting anywhere through phone or email so it was time to take the next step. I received a confirmation that they were still researching. There is still no resolution and the payments are still missing. Late payments are still on my account. I made the XXXX payment on the Mr Cooper website to make sure it did not get lost. I could not pay extra principal because my mortgage is past due according to Mr. Cooper. That payment was credited but it was applied to the XX/XX/XXXX payment. So there are going to be additional late fees added since they don't consider that payment to be for XXXX. I have always paid my mortgage in advance. I have never experienced such a run around. They have had my money since XX/XX/XXXX and XX/XX/XXXX. I have provided the requested documentation 6 different times. I value my credit rating and my mortgage history. I do not know what else I can do to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am demanding that a reinvestigation of the inaccurate and misleading items I see reporting to my consumer report be reinvestigated as I believe a thorough investigation wasnt properly conducted pertaining to law. According to the FCRA Fair Credit Reporting Act [ 15 U.S.C 1681i ] Section 611. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. Failing that, the item must be deleted from the report as soon as possible. The listed items listed in my complaint are entirely inaccurate and incomplete, and as such represents a very serious error in the credit reporting agency effort to maintain an accurate report on my behalf as a consumer. Ive contacted the credit bereaus & the agencies directly on this matter and have yet to hear a response in regards to my complaint as its been well over the 30 day mark.

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 2021-08-02 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me, please check them. 

. Identity Theft XXXX-XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft MERCEDES BENZ FINANCIA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
received a CC from USBank ( reliacard ) at the PO box of my vacation home that I did not apply for. Tried several times to contact the CC company to tell them that either 1 -- they sent me an unsolicited CC to an insecure, often unchecked PO box or 2 -- someone has stolen my identity and somehow intends to gain access to my locked PO box of my vacation home, but the only option possible was to activate the CC ... no option to speak to a customer service representative despite calling back several times and trying several options!

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 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I was looking at a rental property on XXXX  and had several email interactions with the person calling himself XXXX XXXX. He said that he would be unable to show us the property since he lived in California there was another family currently living there. We were told that we could walk around the outside of the property. Once we decided to move forward, the person calling himself XXXX XXXX requested the {$3700.00} for the first month rent and security deposit through Venmo. He was supposed to ship us the key along with some othe documents prior to our move-in date which was XX/XX/XXXX. A little over a week before our move-in date, I reached out via email and did not receive a response. I sent another email 6 days and then again 5 days before our move-in date. I also started calling multiple times a day starting 7 days before our move-in date. Nothing was responded to. 5 days before our move-in date, we went to the rental property and managed to speak with the neighbor who lived in the adjoining complex. He said that XXXXthere was a family who had just moved into the property we had been promised and that his landlord, XXXX XXXX, lived in Arizona. It was only at this point that we truly realized we had been taken in and were not only out of a rental house but also out {$3700.00}. I tried to request the money back from the Venmo account, but I am met with an error that says, " We're sorry, the transaction could not be completed. Please contact the person you are trying to pay. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I had funds sent into my account and shortly afterwards they closed my account I sent in all of my documentation proving who I was and the funds were mine and they told me my account isnt eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My account was sold from XXXX  XXXX to XXXX XXXX XXXX. XXXX has garnished my wages twice. Once in the amount of {$70.00} and the second time in the amount of $ XXXX. Even though they have successfully garnished my wages twice, this account is still appearing on my credit report owing {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a letter dated XX/XX/2021 from Wells Fargo Bank, N.A. XXXX XXXX XXXX, XXXX XXXX, SD XXXX the subject of which was : Decision about your recent application for a deposit account I MADE NO APPLICATION FOR A WELLS FARGO DEPOSIT ACCOUNT Wells Fargo said they were unable to open a deposit account because of information from the following reporting agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX I made no application to Wells Fargo and have never heard of this reporting agency before. I visited the reporting agency website but did not initiate contact. 

I hope Wells Fargo is not opening up accounts on their own again and I hope this reporting agency is not using this to gain access to personal information.

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 2021-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Just received a notice about an attempt to collect a payment of the amount of {$1800.00} for a Sears credit card. This is the first time knowing about this. I opened a credit card a long time ago, perhaps 7 years ago, I paid off this credit card perhaps 3 years ago and never used it again. I have other credit cards that before they expired I get send new cards, this one expired a few months ago and never received a new card nor did they tried to contact me about any purchases I had made or that they tried to collect from me. I believe this may be either the company trying to sell something that does not exist or someone got a credit card under my name and used it, which I am not responsible for nor will be made responsible for. I have lived at the same address for a little longer than 3 years, and have not received any billing from Sears nor they have made attempts to contact me about this issue.

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 2021-08-02 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: CA

Complaint narrative:
I reach

ed out to Equifax to dispute inquiries on my cerdit report first by phone. They indicated that the inquiries were permissible and a record of fact. Fact is something that can be supported by evidence. I then mailed a letter disputing the inquiries and a letter was returned stating that inquiries were permissible and a statement of fact. The evidence : I have no accounts associated with these inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. this inquiry was fraudulent and equifax agreed to remove with a copy of my FTC report. It has not been removed as of this complaint. 
XXXX  XX/XX/XXXX this inquiry was fraudulent and equifax agreed to remove with a copy of my FTC report. It has not been removed as of this complaint. 
XXXX XX/XX/XXXX. I have a credit card with this company opened XX/XX/XXXX not associated with this inquiry. 
Equifax XXXX. XX/XX/XXXX I have no mortgages with this firm or accounts associated with this creditor. 
XXXX XX/XX/XXXX. I have no accounts associated with this creditor XXXX. XX/XX/XXXX. These inquiries are within 30 days of each other! 
XXXX XX/XX/XXXX. Why the repeated inquiries from this creditor? 
XXXX XX/XX/XXXX Were these to be soft inquiries to offer refinancing offers? 

I have requested a copy of the procedure used to verify and was told they didnt need to verify inquiries. The creditor I contacted has no record of me or requests for my credit file. 

I have enclosed copies of the section of the FCRA document that Equifax has willingfully violated to ahev these inaccurate inquiries appear on my credit file.

Company response to consumer: Closed with explanation