vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have made repeated attempts with Experian to remove two XXXX  XXXX XXXX accounts that were paid in full and closed in XXXX of 2014. Both of these accounts had late payments, with the last late payment in each recorded in XX/XX/2014. I live in New York State and the law is that any negative information must be deleted after 5 years. XXXX  automatically removed this info after 5 years but Experian refuses. They state that XXXX  XXXX XXXX will " not allow '' them to remove this info from my credit report. I have called XXXX  XXXX XXXX several times and they say this is simply not true. I don't know what Experian has to gain by breaking NYS law, but I would like people to know what they are doing. My guess is that they do things like this to compel consumers to purchase their services.

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 2020-03-24 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: Applied Data Finance, LLC
State: NY

Complaint narrative:
Hello, I owed a company called Personify Financials. An amount of {$1300.00} went into delinquency in XXXX and was given over to a collections company called XXXX XXXX XXXX. I made the payment to the XXXX XXXX XXXX on XX/XX/XXXX. 

All attempts to remove the delinquency from credit has failed when the agency told me it will be removed after i make the payment. I called the XXXX XXXX XXXX and they told me to talk to personify since they are the original lenders. Personify isn't also responding to my requests. Please look into this for me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX - NewRez sent me an e-mail telling me that I can send proof of home insurance to XXXX On XX/XX/XXXX - I sent proof of home insurance ( this new insurance had information like ID # from previous insurer for year XXXX ) to NewRez at XXXX On XX/XX/XXXX - NewRez placed a lender home insurance on my profile Following that date, I have repeatedly called into their system following many redirects and loops that inevitably disconnected on me. For the few times that I got through, I reached a human staff at NewRez. I was then instructed to send all of my home insurance info again to XXXX I still see a balance on my escrow account ( I originally did not have any escrow account ). I have attempted in good faith to follow up with NewRez request for information and supplied all necessary documents. 

NewRez has so far not been cooperative and has placed a balance on my file in bad faith and isn't trying to handle this situation in a timely manner. This happened before the COVID-19 became a serious problem in the US.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is XXXX XXXX, I went into Chase Bank in XXXX NJ on XXXX XXXX an made a deposit into XXXX XXXX account in the amount of {$7000.00}. XXXX XXXX was said to be the account manager for the artist known as XXXX. I returned to Chase Bank two days after that deposit to inform them that the person was a scammer and fraud, and I wanted to recover my money that was deposited. I was instructed by Chase that I had to go to my bank in order to stop the payment because I wasn't a chase customer, and they ( chase ) can't look into someone account an just put a stop to the check. XXXX also stated they cant put a stop on a check they dont have in there posession. I've went back and forth with my bank ( XXXX ) an Chase there was an indemnity report done an chase denied reimbursement, I believe the report was done wrong by my bank thats why I was denied reimbursement. I had a police report and an investigation was conducted. I also have a signed affidavit from my bank. I contacted the fraud department of Chase an was told my police report needed to be given to Chase Bank. I sent those documents via email to XXXX the lady at chase who handled the transaction on XX/XX/XXXX. Sargent XXXX XXXX of the XXXX Police Department handled the report an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
A check to pay my Conn 's XXXX XXXX account was mailed on XX/XX/2020. They received a check in the amount of {$670.00} and it was deposited to their account with XXXX XXXX. It was deposited on XX/XX/XXXX and the account number was written on the check. I have called Conn 's 21x since XX/XX/XXXX because they kept claiming they never received it. I placed a trouble ticket and after my 15th call someone finally escalated the issue. I uploaded the check to prove that Conn 's cashed it. I have been calling every other day and the only response I receive is that they are working on it. Meanwhile, the interest keeps accruing. 

The check was mailed to the address listed on their website in XXXX, TX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I went to transunion.com to learn how to freeze/unfreeze my credit report. The website mislead me toward signing up for month service at {$24.00}. I thought I immediatelt phoned and cancelling this unwanted/unneeded service. I received a credit card statement showing the {$24.00} billing but no credit. I phoned transunion on XX/XX/XXXX and cancelled the service ( call # XXXX? ). On next next billing statement I see that I am still being billed $ XX/XX/XXXX for the service. This is now two billings where Transunion now needed to provide credit plus still cancel the service. 

Today/ XX/XX/XXXX, I can not speak with a live person to cancel the service and received credit for previous billings. I have phoned XXXX but can not get to a live person and am told via recording that no service personnel are available to cancel the service and my call is disconnected. Same instance when I call XXXX. When I reach a live person at XXXX I'm told that they can not cancel service and that I need to call XXXX again. When a phone XXXX and asked for a Manager-on-Duty I'm transferred and my call call is automatically disconnected again.

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I hold a credit card with Wells Fargo Bank. I reviewed the statement, considering using it during the Corona economic disruption. I discovered the interest rate is more than 22 %. In Florida usury rate is 18 %. Today ( XX/XX/XXXX ) I called the credit card unit at XXXX ( I had previously submitted an online request and didn't hear back ( possibly XX/XX/XXXX or XX/XX/XXXX ) and asked them to decrease the interest rate - especially since interest rates are so low. 

The representative offered me a 'payment plan '. This was quite silly because I didn't say I had any problem paying, I just had an issue with the interest rate being usurious. 

The representative reiterated that no adjustments were being made in interest rate, but I could do a balance transfer with a 4 percent fee on the balance transferred for a 2.9 % 12 mos period. Again, that didn't address the issue of the overall rate being so high and usurious.

It seems Wells Fargo continues to ignore Consumer protection legislation. Very sad.

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sequium Asset Solutions, LLC
State: IA

Complaint narrative:
Company called me about an account with XXXX XXXX XXXX. I called them back on XX/XX/XXXX and told them I had written communication from XXXX XXXX XXXX that stated they were not sending my account to a collection agency, I was working directly with XXXX XXXX XXXX on this account, and that I was disputing this debt. They never asked for proof. They never started an investigation into my dispute. They reported my account to the credit reporting agencies without listing it in dispute which is a violation of FCRA 623 ( a ) ( 3 ). 
When I called them on XX/XX/2020, they stated they never started the dispute process or any investigation. Violation of Furnisher Rule 660.4 ( a ) and 660.4 ( e ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: AR

Complaint narrative:
Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX  XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX  # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX  # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Transunion has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In addition Transunion failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Transunion has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Transunion should be held accountable for violating the Fair Credit Reporting Act.

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 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting debts on my account that I do owe. I never received any phone calls or any written notice of this debt. I found out of these collections when I checked my credit. I immediately contacting them to verify & pay the debt if it was mine with no luck. They never answer the phone. It has been very stressful and difficult to communicate with them. They are in violation of my 30 day right to dispute, and this collections need to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc.
State: CA

Complaint narrative:
I have asked DCN Holdings, Inc. DBA XXXX do not contact me last week, again Monday, XX/XX/XXXX I was contacted by this agency at XXXX XXXX  I told them to stop harassing me, but again they called at XXXX and I didn't answer. I have listed my phone number on the do not call registry since XX/XX/2011.

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 2020-03-24 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Paramount Recovery Systems has added {$150.00} to my credit report that I do not owe. I do not know who this company is and have no contract with this company. I have never heard of this company until it was added to my credit report. XXXX  will not help in removing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
My Citi Diamond Preferred Card offered a feature called Flex Pay, where purchases over {$100.00} are split up into monthly payments with a choice of terms and a lower fixed APR of 13.99 %. A maximum of 7 Flex Pay plans are allowed at one time on an account. I had 11 purchases that qualified. All the offers said " Offer good through XX/XX/2020. '' When I went online to sign up for them on XX/XX/20, my purchases were no longer listed as eligible. Their chat feature online was not working so I called Citi Cards at various times that same day, but their phone lines were always busy. On XX/XX/20 I tried phoning again and reached a representative who said I no longer had eligible purchases for the Flex Pay plan because the billing cycle had ended the previous day. I asked to speak to a supervisor ; he told me the same thing. He said that he was sorry, that the statement about the offer being good through XX/XX/XXXX was misleading and he would file my complaint, but there was nothing he could do to get the lower interest rate for me on my purchases already made.

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 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im a victim of identity theft someone got hold of my credit card and used it, which when I first noticed it I contacted the company right away and they canceled that card and send me a replacement card. Then they removed the negative items from my credit report and now its still on my credit report I just dont understand why would I pay for this when Im not responsible for it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got hold of my credit card and used it, which when I first noticed it I contacted the company right away and they canceled that card and send me a replacement card. Then they removed the negative items from my credit report and now its still on my credit report I just dont understand why would I pay for this when Im not responsible for it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-24 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: CT

Complaint narrative:
On Thursday, XX/XX/XXXX I cashed my fiancs paycheck via my banks mobile deposit option on the Regions app. I have done this dozens of times in the past with no problems. On Friday I received a email that the funds were out on hold and would not be released until XX/XX/XXXX. I called them and asked for explanation which they couldnt give me. I asked them to cancel the transaction and they said the couldn't. I was told by the customer service representative I could try to cash the check elsewhere and that would ultimately cancel out this first transaction. So I went to XXXX XXXX, my fiancs employers bank, the bank that was printed on the check and they told me they could not cash the check because it had already been cashed. I then spoke with the payroll accountant at his workplace and she said the check was completely cashed. But regions keeps telling me its still pending. I spoke to another customer service representative who told me my funds would be held through XX/XX/XXXX, but now its the XXXX and theyre still being held so that was no true. I received another email stating the funds are being held until XX/XX/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 2020-03-24 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:
My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: AR

Complaint narrative:
Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX  # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX  # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Equifax has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In  addition Equifax failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Equifax has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Equifax should be held accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation