vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NJ

Complaint narrative:
I have contacted the fraud department around XX/XX/XXXX for Eppicard for my NJ XXXX support. They cancelled that card and issued me another card. I called them XX/XX/XXXX to inquire why my account was negative and that's when I was informed that they took the funds back they had credited for those fraud charges, I went to the XXXX  Police barracks, XXXX  XXXX  that same evening to file my report. They denied my claim as they stated " conflicting information '' but after reading many reviews on Consumer Report that is their standard format go to excuse for all of us. I have filed a police report with my local XXXX Police, # XXXX. They, Eppicard never told me to do that initially and they did in their denial letter. Which is now completed. I am not holding out hope but this seems to be very common for them as they do not protect us, their consumers or help to really rectify the problem. My next step is to file a report with Federal Banking Commission. I have several charges for three different XXXX  's XXXX hours away from my home that I do not shop at. I have a XXXX  10 minutes from my home. Charges for a XXXX XXXX  XXXX XXXX in XXXX XXXX California, XXXX XXXX. These are not my charges and will be more then happy to send you my statements that the Eppicard could have referenced to see my shopping habits if their Investigation Department actually did the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 ; my bank ( bank of America ) allowed a legal order levy to take place. The bank took {$41.00} for the levy but also charged me {$120.00} for processing the levy. I have called the bank several times but the legal department will not speak to me. I just want to be reimbursed by the bank for the levy amount plus processing fees because I was under the impression that at that time that this money was taken I was still protected by the Covid -19 protections that were passed regarding collection of dedt during this pandemic? SB XXXX and HR XXXX and or Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et. seq. ) ( FDCPA ) and I should have been protected also because that money in my account was just deposited a day before and was a medi-cal ihss check from the state of California and should have been protected ... the money deposited was under {$1800.00}. For my son with an 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 2021-02-10 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: TX

Complaint narrative:
I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX. These multiple inquiries in are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item for each. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX. These multiple inquiries in are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item for each. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-10 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: Lending Club Corp
State: GA

Complaint narrative:
Lending Club # XXXX Here is another account that I cant seem to get any answers from. I have been calling and sending them letters along with all there bureaus to solve this problem but no one is helping me. This account is being re-aged the date last payment has three different dates which one am I supposed to try to figure out where to start? Two different date of last payment which was in XXXX but somehow I am paying as agreed in XXXX and in XXXX? This is so wrong but I can get any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo paid off my mortgage and Wells Fargo refuse to give me my deed. Paid off in XXXX for XXXX at the 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 2021-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
My husband and I applied for a loan with LoanDepot, Loan Officer, XXXX XXXX. Before we went to closing, my husband and I told Mr. XXXX that we intended to pay the entire mortgage from the sale of our home in XXXX XXXX. Mr. XXXX requested that we pay the first month payment. He said we will receive a payment book. We never received a payment book. The closing date was XX/XX/XXXX. My husband called Loan Depot on XX/XX/XXXX, to ask what our mortgage payoff amount was. The response was {$210000.00}. My husband did pay the first months mortgage payment, at the request of Mr. XXXX. 
I called Mr. XXXX asking why we had to pay the first mortgage payment, due to the fact that every day, we were accumulating interest. The {$210000.00} is the amount we expected to pay. Due to the fact that Mr. XXXX asked us to pay the first months mortgage, so that he will be recognized as well as receiving his money as Loan Officer. Meanwhile, accumulating every day was interest. As of XX/XX/, we received a payoff amount of {$210000.00}. 
My husband called LoanDepot, spoke to XXXX on XX/XX/, that the amount owed was {$210.00}. 
We paid off the mortgage on XX/XX/2021 in the amount of {$210000.00}. That was the amount that was indicated. The mortgage amount we thought we were going to pay was {$210000.00}, if we were to pay off immediately. 
My husband and I were manipulated by Mr. XXXX to pay the first months mortgage. 
My husband and I believe that we should be receiving {$1200.00}. 
To date, We have not received any money. 
We did receive a Letter from LoanDepot, dated XXXX XXXX, XX/XX/XXXX. This letter is to acknowledge that our loan has been paid in full. However, till this date, have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing today in regards to my account with XXXX account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My son, XXXX, purchased a vehicle through XXXX XXXX XXXX XXXX XXXX. I agreed to co-sign when the sales people at XXXX XXXX assured me that after 6 months my name would come off if he made his payments on time, which he did. He subsequently had an accident which totaled his vehicle. He had purchased GAP insurance through XXXX at the same time he purchased the vehicle, so when it was totaled he stopped making the payments and his GAP insurance paid off the balance of the loan. At the time he totaled the car, I believe he was late on his payment. XXXX is reporting that I was personally late on my son 's car payments. Had they notified me, I would have made the payment just as I had once before.. They will not correct the report to show that I was the co-signer, not the actual borrower. Experian only accepts their version. This is wrong! Can you help me?

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 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I currently have a collections on my credit report from Portfolio Recovery dated XX/XX/2019 in the amount of {$350.00}. I do not know who this company is, never conducted business with them and ever signed a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I tried calling the collection agency to explain that this matter was resolved with the gym and asked them to check on their end for what I know is a clerical error. This company employs abusive collection tactics over the phone. I spoke with an agent that called themselves " XXXX XXXX '' over the phone. They would not confirm the spelling or give me and employee identification number to identify them when asked. I was repeatedly interrupted while explaining my situations and asked " will you be paying by credit or debit '' and there was no indication of trying to listen. Luckily for me, my gym is amazing and will get the account fixed on their end hopefully soon. However, this abusive company needs to be called out. Also, my wife initially called and had me call back from work, and the agent, after explaining everything on the account to me said " I believe this is the wife. '' This was either an extremely rude comment or an admission that they illegally gave out my information to someone unauthorized on the account. Extremely rude and extremely unprofessional practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: ME

Complaint narrative:
Hello, I spoke to XXXX at ConServe ( XXXX ) about a debt from the Department of Defense, which was transferred to the Department of Treasury, then sent to ConServe. 

She told me that multiple letters were sent informing me of this debt, I asked which address she had on file and she stated an old address which I have not lived at in almost 5 years. 

She informed me that because it has reached them, there is an extra {$2000.00} charge added onto the debt. I told her that I didn't believe that was right, because I had never received any letters of the debt owed because I no longer lived at that address. She told me that there was nothing they could do. I told them I would be looking at legal avenues to remediation of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
XXXX XXXX # XXXX Here is another account that I cant seem to get any answers from. I have been calling and sending them letters along with all there bureaus to solve this problem but no one is helping me. This account is being re-aged the date last payment has three different dates which one am I supposed to try to figure out where to start? Two different date of last payment which was in XXXX but somehow I am paying as agreed in XXXX and in XXXX? This is so wrong but I can get any answers.

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 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: KY

Complaint narrative:
Today, XX/XX/21, I have received calls from this number. This is not the first time, there have been several days within the past month or so that I have gotten these calls. 

I have repeatedly told them that they have the wrong contact information. I am not the person they are trying to reach. I have repeatedly told them to stop calling me. I have repeatedly told them that I will reach out to the FTC if they continue to call me. None of these things has been a deterrent. 

They quite simply will not stop calling!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My checking account was put on pending closure on XX/XX/XXXX without my consent, I called to better understand what was going on when i wasn't able to use my account. I had a balance for {$4400.00} at that time, and I was advised to wait 30-60 days for the account closure review to be done, and that i will be receiving a letter from the bank, with a check for the funds remaining on the account. I chatted with a rep on the mobile banking app on the XXXX of XX/XX/XXXX, for details on the status of the refund and letter, and he said " I can see here a check was issued on the XX/XX/XXXX and that i have to wait 10-15 days .... Today being the XXXX, i called again to get the status, and the rep i spoke to suddenly told me I won't be receiving a check because i have no funds that belong to me! Contradicting what the previous reps i had spoken to, told me. Now i asked her to explain in details, and she refused. I asked about the letter i was supposed to receive, and she kept dodging the question. I told her i remember vividly the last credit that was made in my account from an XXXX buyer 's purchase, for a watch in the amount of {$8100.00}, and she claimed the account is already closed and she can't provide any information. They refused to send me the letter explaining everything, and have kept my money! Causing me to almost lose my apartment and owe bills. I am tired of banks lying and ripping people off! I want my money back!

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 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed erroneous accounts on my credit reports with XXXX XXXX, and TransUnion and my disputes have been ignored. I have attached the latest letters that were previously sent to the credit bureaus along with the certified mail slips. 

Certified mail slips XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TransUnion

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 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021, someone withdraw a total of XXXX dollars from my Bank account. I called Chase and filed a claim and they credited me the XXXX dollars. XXXX XX/XX/2021 I noticed that they reverse the XXXX dollars so I called them and they told me that their investigation concluded that it was me who withdraw the money because of the debit card chip that was used. I told them that it was not me and I had never taken out more then XXXX dollars from the ATM as that is the limit of withdrawal allowed in a day, they said they dont know and there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
ATTENTION TO CLARK COUNTY COLLECTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company CLARK COUNTY COLLECTIONS in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: OneMain Finance Corporation
State: GA

Complaint narrative:
One Main Financial is reporting an erroneous account that they are unable to validate through numerous requests. I demand removal of this questionable collection account that is being reported to XXXX, XXXX, and XXXX. 

ONEMAIN FI XXXX

Company response to consumer: Closed with explanation