vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: KS

Complaint narrative:
I disputed with experian with a veterans affairs account I have on my report. I disputed that the dates were not correct. They have it reported as just Collections from XX/XX/XXXX to XX/XX/XXXX and then the account closed in XX/XX/XXXX. This account is paid. I disputed why there werent 30 60 or even 90 days late just reported collection. They informed me they did an investigation and its been updated as such. 30 60 90 120 150 180 from XX/XX/XXXX to XX/XX/XXXX and then current XX/XX/XXXX. And then nothing else is reported until XXXX and XXXX of XXXX marked Collection. They clearly dont know how to accurately report peoples accounts. If it was PAID and closed XXXX HOW do you say you investigated and then just write it as a collection in XXXX of XXXX when this account has been PAID. They dont have dates and falsely reporting dates and wrecking my credit in the process I WANT REMOVED FROM MY ACCOUNT NOW

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 2021-08-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This account is being reported as Collection/Charge-Off.

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 2021-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers.

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with XXXX XXXX and them trying to continue to overcharge me.

Please review my account I have two XXXX XXXX reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!

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 2021-08-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers.

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with XXXX XXXX and them trying to continue to overcharge me.

Please review my account I have two XXXX XXXX reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: WA

Complaint narrative:
I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers.

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with XXXX XXXX and them trying to continue to overcharge me. 


Please review my account I have two XXXX XXXX reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!

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 2021-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I paid the remaining balance on our XXXX XXXX XXXX off ( Comenity Bank ). Mine was {$200.00} and my husband 's was {$710.00}. The following month, we got new statements showing {$0.00} balances. However, they were charging me {$1.00} in interest and my husband {$4.00} in interest ( on XXXX balance ). I called as soon as we got the statements and was told the interest was carry over. She took my balance down to XXXX  and we closed our accounts, but she said she could not remove the {$4.00} on my husband 's statement. We then got a new statement showing he now owes {$9.00}. I called on XX/XX/XXXX and was disconnected twice after explaining my complaint and was told because the account was closed, they could not help. The third time I called I asked for a supervisor and again explained the situation. He stated that because I did not pay it off in XXXX, there was a fee that showed up on the next statement. I replied that the next statement was the one I paid in full and there should be no more fees. I told him even though it was only {$4.00}, it's the principal and that these fees could continue forever and it's quite a racket. He said it is completely legal and those fees would not be removed! I said I would take it all the way up to the president of XXXX, to which he replied, who do you think implimented it ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 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: PNC Bank N.A.
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. PNC XXXX XXXX XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
In XXXX i came across a person that was advertising a opportunity to join invest into a business that was being promoted as a " online franchise '' that was going by the name of XXXX XXXX XXXX. After getting a bit of information from the guy through XXXX and seeing a couple of videos of him showing " income proof '' from people i was a bit more curious. He convinced me that the online franchise has a team of sales reps for people that close sales for you for people that have no experience closing deals and even had me talk with one of their top closers. After being convinced and having a long thought and being in a desperate situation they even metioned that they have connections that can get me funded so that i can get in on a there higher level packages. I ended up taking a loan out of XXXX with who they referred me too which was a lender that goes by the name of lending point. I was funded on XX/XX/XXXX in the amount of XXXX and was told to split that check in 2 and send the 1 check in a cashier check to the person that referred me to the system and 2 the person i talked to on the phone which was the closer. The rest of the amount was supposed to purchase traffic through traffic vendors. In which they provided within the system that linked to XXXX  XXXX XXXX XXXX..I was effected by the pandemic and was stuck paying off the loan. I have basically already payed to the lender about XXXX and it doesn't even seem like it has even put a dent on the loan and am still struggling financially from the impact that the pandemic has had and am beginning to get worried. I believe i had sent out a complaint to the ftc about this some time around XXXX and at this point have been trying to find and research for multiple alternatives because i believe that i shouldn't be paying back this loan when i was basically scammed. It was XX/XX/XXXX when i withdrew the 2 cashier checks and it was XX/XX/XXXX when i had the 2 cashier checks over nighted to the 2 addresses that iwas told to send them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In XXXX of XXXX, I noticed a car loan was taken out in my name from Kia Motor Finance. I have never done business with Kia or its partnerships. I have filed many police reports and FTC reports trying to dispute this account as identity theft. I have been fighting ID Theft since XXXX of XXXX. I am trying to get loans and establish business credit but this account is affecting my financial abilities.

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 2021-08-31 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: NC

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian on their own placed a security freeze on my account and I have demanded that they remove it. They refuse to do so and expect me to provide a PIN that I don't have. I will not jump through their stupid hoops to get something removed that should not have been placed there in the first place.

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 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
Good Evening, I am complaining against NATIONAL CREDIT SYSTEM for using depictive tactics to collect a doubt that I was never notified of until more than a year and a half later on an apartment. 

Back ground : I resided at XXXX XXXX XXXX for 4 months in XXXX XXXX for an internship. I moved out on XX/XX/XXXX. I turned my keys in then. Electricity was turned off as well. I forwarded the mail in case there was any bills. 

I never received a notice of any past due items from the apartment, as required by the Tax law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX page 20 ). 

I since then moved to XXXX  to work at the XXXX, and during telework I received a call ( on XXXX ) saying that I was in collections from National Credit system using a Florida number ( XXXX ) XXXX for an XXXX company. On the XX/XX/XXXX call after being told that they did not have to prove that the date was correct ( XXXX ) for the move out, I told the collections company to only contact me through the mail. They have since contacted me from the Florida As stated on the phone with XXXX XXXX on XX/XX/XXXX, I contest these charges. I gave notification on XXXX that I was moving out in 30 days. I actually turned in my keys on XX/XX/XXXX, before I had a job interview at XXXX. I paid rent completely through XX/XX/XXXX ( attachment 1 ). At that point all fees associated with normal day to day living ( for all previous months ) had been covered. 

The fees that are being charges are padded and I told XXXX XXXX on XXXX that. Case in point, On XX/XX/XXXX I received an email ( from XXXX XXXX ) saying I owed until XX/XX/XXXX, in which I responded back that I only owe 30 days since I was not under a lease. I also asked for a prorated cost of the 5 days and never received a response ( attachment XXXX ). I will not pay a late fee associated with this since the request for a prorated bill was requested beforehand. 

I dispute all charges, including charges such as a VCR. XX/XX/XXXX does coincide with the date I stopped electrical service. With the charge from XXXX stopping the Monday after I moved out, this does give evidence that the Landlord knew I was no longer residing at the residence and notice the electricity was in their name. Which they did not legally This bill has been padded and is not correct. As I told them on the call. I also submitted my contestation of the debt to the email account that they used. 

Besides the business trying to collect a debt they are not legally able to, I believe they are using deceptive practices ( numbers from outside of their state ), not allowing email communication even thought they verified the debt through email, and

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: NC

Complaint narrative:
I had fraud alert on my three credit reports however somebody was still able to get up to 45 inquiries on my equifax I wrote and disputed it and told them it was fraud the other agencies helped me and removed them however equifax argued with me transferred me four times and then the manager hung up on me ultimately which was discouraging

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We refinanced an existing Wells Fargo mortgage through Wells Fargo. The process was problematic from shortly after the initial application. Our credit scores in the 800 's, we owe no debt besides the mortgage we were refinancing on our vacation home. We take great pride in our efforts to maintain a strong credit rating. Wells Fargo representatives rate from bad to worse, beginning with the loan mortgage consultant XXXX XXXX ( NMLSR ID XXXX ) continued with loan servicing agents XXXX XXXX and XXXX XXXX, through to closing attorney firm XXXX XXXX, XXXX. XXXX XXXX. 

Despite the poor service throughout, we held committed to closing this refinance loan. The last straws were the failure to deliver promised promotional gift card ( {$300.00} ) and more importantly Wells Fargo 's failure to provide reconciliation of misappropriated escrow funds in the amount of {$1700.00}. These two outstanding items represent the damages we seek resolution to.

My last attempt to resolve this was an email to Wells Fargo ( WF ) personnel including XXXX XXXX ( WF ), XXXX XXXX, XXXX, XXXX XXXX ( WF ), XXXX XXXX ( WF ), XXXX XXXX ( WF ), and XXXX XXXX ( WF ). The email was sent XXXX EST on Saturday XX/XX/2021 and as of this writing on Monday XX/XX/2021 at XXXX EST, we have received no response or acknowledgement to our request. 

Contacts we have reached out to in attempt for resolution : XXXX XXXX : T : ( XXXX ) XXXX XXXX : XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX : XXXX : 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 explanation
Consumer complaint received 2021-08-30 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the Chrysler capitol on XX/XX/XXXX. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I XXXX XXXX entered into a consumer credit with Citizens Bank NA on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Citizens Bank NA made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Bank Instituted a new review process for existing credit card holders and although my payment history was unblemished. The bank elected to close out my credit card without giving me the opportunity to pay the account off first ( they snail mailed a letter on XX/XX/XXXX, a Friday and closed the account on XXXX the XXXX, a Wednesday ). This resulted in the account being reported as " closed by credit grantor, with an outstanding balance '' which immediately lowered the joint account holder 's credit score by 50 points. While I understand that the bank has the right to revoke our relationship based upon information obtained from outside sources ( third party credit reporting agencies ). My contention is that the bank should have provided us with an opportunity to pay the account off and close it prior to reporting derogatory information to the bureaus.

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