vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED 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 2022-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have dealt with many consumer store credit cards, but I have never had an experience like the horrible one I have had with the Home Depot Consumer Credit Card. Please note that I am usually someone who is very careful with credit and paying bills on time ( as evidenced by my credit score ). 

I first reported to the Home Depot Customer Care Team ( now managed through Citibank ) that there were charges on my account that I didnt authorize back in 2020. After multiple calls, letters and escalations, I still never received any action from them and I continue to get bills for charges that I didnt authorize.

All Home Depot/Citibank did was give me a new credit card and transferred all of the balances to the new card. They even charged me late fees and reported lates on my account after I was calling every week insisting that I shouldnt have to pay for the charges that were under their review. 

After a series of run-arounds, getting transferred from representative to representative - I continue to only be told that their security team would get back to meafter over a year, I am not holding my breath. 

The experience with this company has made it very hard to want to continue to work with them.

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 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I don't know who this company is. I never had any contact with them and have never done any business with them and I believe that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I've opened a checking and savings account with Bank of america and it got closed in XXXX because a friend of mines wanted to cash his check but he couldn't because the check cashing place was closed so I did him a favor by letting him deposit his check into my account for he can get his money after that my account wind up getting closed. I had no idea about it can result in account closure so I'm paying a big price and being held accountable for my stupidity. I've paid off XXXX to XXXX on XX/XX/XXXX and I believe I'm still on XXXX. I've learned my lesson after that.

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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Fortiva has opened a credit card under a fake name and has been paying off the debt from my bank account/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-01-21 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: GA

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2022-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I contacted Equifax in regards to some hard inquiries that I had no knowledge of. I was bounced around several times ; even having to call back because of a couple disconnected calls, and representatives giving me different answers. By the FOURTH call, I was advised that Equifax is unable to remove my hard inquires and that I need to contact the lenders. I explained ( for the fourth time ) that the lenders kept sending me back to the credit bureaus and it's frustrating getting the run around. I even mentioned that XXXX and XXXX removed these hard inquiries and that Equifax is the only remaining bureau with these incorrect inquiries. I was then advised to send an email to FTC as well as to mail a letter to Equifax Information Services with a cover letter attached to explain what I am explaining now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2022-01-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : 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 2022-01-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX DPT EDXXXX 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 non-monetary relief
Consumer complaint received 2022-01-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
ON XX/XX/2021. my account is now minus {$460.00}. the tellers at the wells fargo bank are tampering with my account illegally. please investigate. numerous times withdrawals from XXXX for {$360.00} is consistantly taken out and the company I told the claims dept. under FTC & FBI investigation for stealing and towing away the XXXX  XXXX, while my wells fargo debit card was available to them. This was a SCAM inorder to charge me more money. the field manager XXXX XXXX was responsible and is known to OVERCHARGE his customers since he worked at XXXX. I am also being charged twice with planet fitness and some type of audio XXXX service. I asked the claims dept to investigate but if you have a chance look at my wells fargo online account and see how it is very confusing.The dates are being changed when I made a deposit. and deposit are scattered so that I could be charged a late fee. too much for me. I am on a fix income and now living in provety in a XXXX XXXX where I am being victimized 24/7. I am a widow of an XXXX XXXX veteran. this is a crying shame! how I am treated in my own country.

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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.

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 2022-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
I took out a loan with Sallie Mae for education. I borrowed $ XXXX. I entered bankruptcy XXXX XXXXXXXX in 2016 for 5 years. Sallie Mae XXXX my account so I could t see how payments were applied. I paid a lot through bankruptcy. When it was over I got access and now owe $ XXXX with interest and principle was around $ XXXX from compounded interest ( which seems allowable per contract ). I had no payments due so I called to inquire why. They stated I had over $ XXXX pay ahead. I asked how thats possible as my payments should have been paying against my loan and I dont want my payments just sitting there and apply it towards my loan. 

After several calls and much back and forth they stated my pay ahead is just payments unapplied and I requested they cancel it and apply payment to my principle if I overpaid. They cancelled it. I no longer have a overpayment and my balance didnt decrease at all. Ive asked for backup docs. Docs on how payments applied etc and they wont give me anything. I need help. I live in California and did when I took out the loan as well if it matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022, I went to XXXX XXXX dealership and spoke with salesman XXXX XXXX, and I completed a consumer credit transaction by applying for a car loan with Bank of America, I was denied my request for credit. I later received an adverse action letter and after reading it, I believe Bank of America is using information from my consumer report to discriminate against me. I am discouraged from making or pursuing any future applications with Bank of America. I sent a letter to Bank of America about my discrimination, but to no avail. I dont agree with their actions! Bank of America is in violation pursuant to 12 CFR Part 1002.4a and 12 CFR Part 1002b. Bank of America has violated me as a consumer by denying me my right to credit. I am making the claim that Bank of America, N.A. is being Hostile, deceitful and fraudulent towards me and this is negatively affecting my life. This has negatively affected my family and has cause me severe hardship, XXXX XXXX  and XXXX. I have been unable to purchase a new vehicle to get to and from work to provide for my wife and kids

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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted Complaint against XXXX XXXX who created XXXX XXXXXXXX XXXX XXXX and XXXX XXXX as Trustee for this Trust who acted as Plaintiff in foreclosure-for-profit case XXXX, XXXX XXXX XXXX. I demanded a copy of Release of Lien after sale of my property on XX/XX/XXXX ; and proof of payment {$130000.00} ( cancelled check of wire transfer receipt ) received by XXXX XXXX XXXX XXXX for XXXX Trust to distribute to alleged investors in XXXX XXXX Trust. 
On the same day, XX/XX/XXXX someone from XXXX XXXX and XXXX XXXX XXXX likely XXXX XXXX XXXX XXXX personnel ) responded that they are not the appropriate companies to address my issues. I dont know the name of responsible Agent at XXXX XXXX and XXXX XXXX who made this false inartfully worded statement. 
If the complaint does not " belong to them '' whatever that means then why do they filed a foreclosure case against me ; confiscated and sold my property XXXX XXXX even received Judicial Deed and issued a Deed to the new property buyer? 
Is this an admission that they were neither creditor, Trustee nor servicer? When based on which legal authority XXXX XXXX XXXX acted as the Plaintiff in my case, and XXXX XXXX represented them as Trustee if none of them are related to it? 
XXXX XXXX and XXXX XXXX employees and CFPB needs to explain what this means and why they accepted that response. 
Is this an administrative finding that XXXX XXXX and XXXX XXXX never had any right, title or interest in claims to administer, collect or enforce the note or debt? Why they filed case XXXX and stole my property? Who received {$130000.00} after sale? Why XXXX XXXX  issued Deed after sale but never issued any releases to me? 
I demand responses from XXXX XXXX and XXXX XXXX, copy of payment ( cancelled check, wire transfer receipt ) for {$130000.00} received by XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX and a Release of Lien after sale to my creditor and to 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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I AM NOT A CREDIT REPAIR COMPANY AND NO ONE IS WRITING ON MY BEHALF. I XXXX XXXX, HAVE BEEN WRITING TO DISPUTE THESE ITEMS FOR A FEW MONTHS NOW AND I AM GETTING UPSET MY REQUEST IS BEING DENIED BECAUSE " IT SEEMS LIKE SOMEONE ELSE IS CHALLENGING THINGS ON MY BEHALF ''. PLEASE INVESTIGATE AND FIX THE ISSUES I AM REFERING TO.

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