vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My Barclays Bank credit card was canceled in XX/XX/XXXX and was inactive since XX/XX/XXXX. Upon cancellation I was reissued another credit card that was never activated. In XX/XX/XXXX I was charged a {$95.00} annual fee for the new credit card ( that was never activated ) and was unaware a fee was outstanding ( because I didnt have the credit card and was inactive ). Barclays Bank submitted the {$95.00} fee to the credit agencies in XX/XX/XXXX, which in turn significantly impacted my credit score, in the middle of a home purchase. Barclays removed their annual fee and acknowledged it was incorrectly charged. However, the damage to my credit score has already been impacted, Barclays refuses to provide any communication of the good standing balance and have cost me a significant amount of money and time. We lost the purchase of our home due to their submission. My credit score was impacted a 150 points in a matter of a month because of this sole submission by Barclays Bank, which was an incorrect charge and was a charge from Barclays ( not a 3rd party vendor ). I have made numerous calls to Barclays and have been told they can not provide me with a letter. This is specific to the XXXX XXXX Credit Card.

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 2020-08-18 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: FL

Complaint narrative:
my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In the last 4 years I have applied for several mortgage modifications from Wells Fargo. They always found a reason to deny me. Mostly they've said that my debt to income ratio was too high and I didn't make enough money. after a few court battles, they won the right to foreclose on my home. In XXXX they sent a letter saying 'we 're here to help you ' so I called and spoke with a representative. She reviewed the history and acknowledged that there were some opportunities that were missed on their part. She asked me for income and asset documentation which I submitted. I was asking to re-instate the mortgage and make the arrears a 2nd mortgage. During the underwriting process Wells Fargo stalled the 'active foreclosure ' status. I received a phone call from a manager who told me that they can not help me because " I make too much money ''. Wells Fargo sent me a written notification that included a letter saying that i was approved for a short sale and that I should submit the acceptance form. Fearing that I am losing my house to foreclosure, i sent in the form. However also included in the package was a form to Appeal the decision. There was no denial letter so i don't have a written reason to appeal. Additionally the letter says that i can do a deed in lieu of foreclosure if I contact them. No one is answering the phones there. It's all automated and no one is accountable. I fear that I will lose my home

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to close my accounts in XX/XX/2020. Bank failed to close one account and deducted {$18.00} per month in fees. Over the past seven months I have tried at lest ten times to close the account, both in person  and via telephone, without success. 

A can not obtain my balance from this account nor can I get them to close the account.

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 2020-08-18 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sometime in early 2019, I closed my XXXX XXXX XXXX account for cable. I returned the cable box by mail, but started receiving collection demands to pay for the allegedly unreturned cable box in the approximate sum of {$200.00}. I disputed this debt with the first collection company ( can not remember the name ) and assumed it was resolved. Then, the " debt '' was apparently " sold '' to another collection company, Sequium Asset Solutions. Even though I disputed the debt, I paid the amount to avoid being harassed again. This was paid in XX/XX/2019 and I have my bank statement to prove it ( attached ). Now, just this week, I got a notice from credit karma that I had a derogatory addition to my credit report. A new debt collector, XXXX XXXX XXXX, has reported a collection account of {$200.00} against me to the credit bureaus. I PAID this debt eight months ago. XXXX never contacted me, I never received any letters. This is a complete fraud and a lie. And now it has damaged by credit as it is affecting my ability to obtain a car loan at a reasonable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have had a bankruptcy reported on my credit report for YEARS. I have sent in a letter from the courts ( dated XX/XX/17 from XXXX XXXX, Assistant Division Manager ) saying they do not report bankruptcies to the credit bureaus. I have sent in the search results from XXXX XXXX and XXXX showing my social security has returned zero results. Experian continues to report this information that is incorrect. In addition, I have also disputed an account with XXXX XXXX XXXX that shows I have a balance, a monthly payment and the incorrect name reporting. I have disputed this information they continue to report it incorrectly and late. I have contacted the Credit Union and spoke with 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 explanation
Consumer complaint received 2020-08-18 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: FL

Complaint narrative:
MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.

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 2020-08-18 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: FL

Complaint narrative:
my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: FL

Complaint narrative:
my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-18 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
You all reporting a debt owed on my report however I do not owe this company any money and this debt is not mine. The company has provided me with a letter on their letter had advising of the same. Delete this off all three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
During the Covid-19 pandemic, I had put my mortgage with XXXX XXXX XXXX into a Forbearance Plan beginning in XX/XX/2020. XXXX XXXX XXXX clearly stated in our Agreement ( attached, Page 2 ) that they would not report my account to credit reporting agencies as delinquent. 

On XX/XX/2020, I sold the property and repaid the mortgage to XXXX XXXX XXXX IN FULL. One week later I received a notification from Equifax and XXXX that XXXX  XXXX XXXX had reported my loan to the credit reporting agencies as 90 days delinquent and my credit score dropped 83 points. I was in the process of refinancing the mortgage on my personal residence and that is now delayed because of this. With rates rising, XXXX XXXX XXXX is going to owe me compensation for this. They clearly are in violation of our agreement. 

I contacted and filed a dispute with Equifax and XXXX and they stated that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. '' I need to have this " delinquency '' removed from my credit reports and XXXX  XXXX XXXX needs to compensate me for losses sustained from not being able to refinance my personal mortgage at a lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is a letter would like to submit the credit reporting department sent a letter stating there were only 2 late payments on account for 1 in XXXX XXXX and 1 in XXXX XXXX but credit report shows 4 late payments XXXX XXXX XXXX XX/XX/XXXX XXXX Have provided all 3 credit companies copies of this letter to request that the dates are fix but they seems to just say XXXX XXXX XXXX says report is correct even know they have told me number of times it is only 2 late payments and sent this letter stating so with dates.

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 2020-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
One of the three major credit bureaus is in my opinion overstepping their boundaries as it relates to what I believe is a conflict of interest. Experian is attempting to sell a product called " Credit Boost '' which I believe to be a conflict of interest as it relates to the Fair Credit Reporting Act. 

I am receiving solicitation emails daily from Experian and I see their commercials daily on television. They are attempting to do an end run around the act by enticing people with a potential higher credit score to get access to their utility payment history. Congress and the Fair Credit Reporting Act does not allow them to have access to this data as of yet. 

As an impartial credit reprting bureau I believe there is a conflict of interest where this bureau is offering to manipulate your credit score based on their products. It works the other way where they could  actually lower your score to make their product more enticing. 

I would like to see an immediate cease and desist and a public apology from Experian.

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 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XX/XX/XXXX I received a call, where the caller refused to identify themselves but ask me for who I was, said there were trying to collect a debt for XXXX, that I have previously filed a complaint ( Complaint # XXXX ). On XX/XX/XXXX I received mail from XXXX XXXX XXXX XXXX requested me to pay {$1400.00} for a debt from an Original Creditor - XXXX XXXX XXXX, XXXX, purchased by a current creditor - PYOD LLC, with a charge off date of XX/XX/XXXX. Next of XX/XX/XXXX I received another letter from Resurgent Capital Services informing that under NY State law I have the write to request substantiation of abovementioned date, of which they list my last payment date as of XXXX received another letter on XX/XX/XXXX from Resurgent Capital Services informing that they have initiated a review of the inquiry " they recently received ''. I never requested any information from Resurgent as this case had been settled due to identity theft as far as I knew ... .they sent statements supposedly sent to me in address that is not mine! Lastly on XX/XX/XXXX I received another letter from Resurgent Capital Services informing that they had received a recent inquiry regarding the abovementioned account and have enclosed a summary that provides verification of debt. THIS OFCOURSE IS INACCURATE ... .and is harassment. I do not owe XXXX as I filed complaints/inquiries with this agency as well as XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: OH

Complaint narrative:
I mailed letters to all 3 credit reporting bureaus ( TransUnion, XXXX, XXXX ) stating that they are not complying with my written dispute requests that I have submitted. I mailed letters on XX/XX/XXXX that describes my first initial disputes, its been over 30 days and I havent received a response. I mailed them a second set of letters on XX/XX/XXXX to comply and still no 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 2020-08-18 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: IL

Complaint narrative:
I disputed this account numerous of times with Experian and XXXX   XXXX  did the proper investigating and removed it from my report. 1. Experian and XXXX  both are showing different amounts 2 I signed a 60 month contract not 70. XXXX did not advice me if the change on report like they are supposed to. 3 Experian is reporting that my XXXX payment has been made when it has not my payments are on the XXXX of each month today is XX/XX/XXXX XXXX XXXX is prolonging the law suit that they where involved in and XXXX agreed to fix consumers report and I provided all documentation backing everything

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 2020-08-18 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXXXXXX {$4000.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX  XXXX {$2300.00} DEPTEDXXXX   XXXX {$1100.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} DEPTEDXXXX XXXX {$4200.00} DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX XXXX {$4100.00} DEPTEDXXXX   XXXX {$5000.00} DEPTEDXXXX XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: FL

Complaint narrative:
MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: FL

Complaint narrative:
MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.

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