vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
Back in XXXX of XXXX I was a victim of a money mule fraud. I was in XXXX  and a guy promised me a job opportunity. The man asked for my bank info and with that they stole and overdrew a huge amount of funds from the account and as a result USAA was forced to close my bank account and ban me from using thier bank ever again. Also because it was a family joint account my mom who serves as a XXXX in the XXXX XXXX was also affected and lost all her funds. She was unable to make payments to her home due to this harsh fraud activity. Last year of XXXX I opened a new account with XXXX XXXX but the next day I went to deposit cash into my new bank account based off my consumer report they had to put my account on freeze because of my banking history and was told to contact XXXX XXXX XXXX. I wrote them a letter explaining the situation and they referred me to you guys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: AL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I am very disappointed. REMOVE IT ASAP.

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 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XXXX I received an escrow analysis statement from my mortgage servicing company telling me the account was short of funds by {$1100.00} and the escrow payment will go up from {$800.00} to ( {$860.00} + {$98.00} ) {$960.00}! I immediately went to check their website and the website was showing a balance of {$3100.00} and the next payment from the escrow will not be paid until XXXX for {$2200.00}. Also the escrow analysis has never credited the propert rebate amout from the state of NJ. I therefore called them so I can pay my property taxes and insurance directly which means they should removed that escrow account as I will be responsible to pay the taxes and insurance. They refused and to me it looks like they are predators because I have refused any suggestion by them to refinance and get cash out of my house. There a large descrepancy of the escrow account analysis and what is in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
First National Bank of Pennsylvania refuses to communicate details regarding a returned international wire transfer. The transfer, in the amount of XXXX USD, was sent to XXXX XXXX XXXX XXXX in XXXX and XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX returned the funds, due to First National Bank NOT sending the wire transfer in USD, on XX/XX/XXXX. 

Today is XX/XX/XXXX. It's been over a month. I asked for a wire trace 2 weeks ago, at the First National Bank branch location where I made the transfer, in XXXX XXXX PA. I've gotten no response. 

XXXX XXXX, PA branch manager XXXX XXXX claims they will return my funds this week. In the same call, she also mentioned the funds will be returned when First National Bank decides. No one has called me or even sent a single email regarding the issue. This isn't acceptable. I believe First National Bank lost my funds and is attempting to dodge responsibility. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Ive sent letters to XXXX, XXXX, XXXX, and also the company ( AD ASTRA RECOVERY SERVICE ) thats reporting inaccurate information to my account. Ive sent these letters XX/XX/2020 asking them to verify the account according to FCRA on my report which doesnt belong to me and they have completely ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2020 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 of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I had a joint credit card with Wells Fargo with my ex husband. He has the debt per our divorce decree, it was paid up but he filed for bankruptcy in XXXX. He called them to pay it in XXXX and XXXX but was told the account was closed and no payment was needed. Then MY credit monitoring service showed the account as late this month. I called Wells Fargo who said they were not legally allowed to notify me the account was behind but somehow they could report it negatively to the credit bureaus?!? Honestly the ex could have spoken to a person and got clarification on the payment but I certainly had no way of knowing it was behind, it is now paid up and I have a negative hit on my credit foe an account that was no longer mine to pay on which I got no notice AND a bankruptcy I did NOT file. In addition, of the 3 credit agencies I could not reach a person at XXXX  to file a dispute, disputes are pending at XXXX, XXXX, AND Wells Fargo.

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 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
XX/XX/XXXX someone transferred {$950.00} to a XXXX  XXXX. Unauthorized from my account. I addressed it with Chime on the XXXX when I woke up. They are dragging their feet and I have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2021-01-11 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: I.C. System, Inc.
State: KS

Complaint narrative:
On XX/XX/2020, I C SYSTEM add a derogatory mark on my credit reports. I C SYSTEM did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2021-01-11 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Recently, I attempted to purchase a XXXX gift card on Target.com using the Target REDcard credit card issued by TD Bank USA N.A.. I have done this numerous times in the past with no issues. The order went through and a few minutes later I received an email indicating that the order was cancelled but did not specify why. I called XXXXD Bank ( XXXX XXXX XXXX and was told the issue was with Target.com. I was transferred to Target.com and was told that there was a glitch in the system and that it would be corrected within 15 minutes. I tried again 1 hour later and the same issued occurred. I called back and the two Target.com orders {$1400.00} were cancelled indicating a {$0.00} transaction. I was told that I needed to wait overnight for the system to clear out the transactions. It is now 3 days later and Target REDcard still shows the transactions as pending although they have been cancelled. At this time, I can not make any purchases until these items are cleared out. My total credit limit is {$2000.00} and I had a {$240.00} balance. 
I have called Target REDcard and requested an increase in my limit but they have been unable and/or unwilling to clear out the cancelled orders. This is not a major issue. I felt compelled to file a complaint due to my frustration with this issue and the customer no service provided by Target REDcard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted XXXX and they confirmed I do not have an account or loan with them. They have requested a police report and FTC 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 2021-01-11 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: CA

Complaint narrative:
On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted Self and they confirmed I do not have an account or loan with them. They have requested a police report and FTC 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 2021-01-11 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: CA

Complaint narrative:
On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted XXXX and they confirmed I do not have an account or loan with them. They have requested a police report and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I set up a payment with Comenity back for 2 different cards. One payment is processed the other isnt the card where the payment go thru is XXXX. Then I get numerous calls all day long. When I set up a payment for one of the cards, which I did with someone over the phone. They amount was approved with this person, but because its not the minimum due I would again get phone calls all day. I would answer ask if they dont read the comments because a plan was set up. Then another call same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 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: Credit Plus Inc
State: GA

Complaint narrative:
I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no acton XXXX XX/XX/XXXX Credit Plus XX/XX/XXXXCredit Plus XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no acton  Amex XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Collection Bureau of Fort Walton Beach, Inc
State: AR

Complaint narrative:
The Bureau collection item appeared on my XXXX XXXX credit report. I mailed a validation letter for the debt dispute. The debt collector failed to respond. I have no knowledge of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I had a joint credit card with XXXX XXXX with my ex husband. He has the debt per our divorce decree, it was paid up but he filed for bankruptcy in XXXX. He called them to pay it in XXXX and XXXX but was told the account was closed and no payment was needed. Then MY credit monitoring service showed the account as late this month. I called XXXX XXXX who said they were not legally allowed to notify me the account was behind but somehow they could report it negatively to the credit bureaus?!? Honestly the ex could have spoken to a person and got clarification on the payment but I certainly had no way of knowing it was behind, it is now paid up and I have a negative hit on my credit foe an account that was no longer mine to pay on which I got no notice AND a bankruptcy I did NOT file. In addition, of the 3 credit agencies I could not reach a person at Experian to file a dispute, disputes are pending at XXXX, XXXX, AND 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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted equifax on XX/XX/2021 regarding hard inquiries on my credit report with equifax that was reported on XX/XX/2021, XX/XX/2021 and XX/XX/2021. In addition, I wasn't able to login because they have incorrect information that is related to my identity and now they are requesting that i send a copy of my i.d, social security, and a cover letter to prove that it is me. i have always had a problem with this company when it comes to disputes. i never had to validate my information with any other credit bureau or had a problem verifying my information and was able to login and dispute any information now it is always a problem with equifax and i don't think that it is right that the consumer has to suffer because they are getting incorrect information from god knows who and now i have to go through this problem to just get a simple login information to dispute this information. Never had i sent in any information regarding this matter so why do i have to send in any information now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Have an item on my credit report from company that is not mine.have requested documents and nothing received from company or credit bureau. The credit bureau refuses to allow me the option to upload any documents online. They cont to close with no proof

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 2021-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have recently reviewed a copy of my credit report. I ( Consumer, XXXX XXXX ) notice that there are several inaccuraries on my report that I didn't authorize =. These accounts are violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692d " Any bad debt furnished on your reports is ruining your reputation and its defamation of character. '' I have attached my FTC report, License, and SSC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom it may concern, on XX/XX/20, I sent a letters regarding inaccurate and unknown items on my credit report. to this day over 60 days later I have not received a response yet. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly. 

Thank you 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