vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear XXXX  & Experian, I am disputing XXXX XXXX XXXX XXXX ( XXXX  ) # XXXX on my credit report. XXXX  did not have permissible purpose to access my private information that was the used for a fraudulent loan. In order to prove this, I have repeatedly requested from XXXX  a copy of my credit report pulled for the attached loan application. XXXX  repeatedly refuses, labels the requests and CFPB complaints as duplicate, and makes a mockery of the government agency CFPB. I will include XXXX  with this complaint and they will undoubtedly list it as duplicate. Therefore, I am requesting XXXX  and Experian to review the attached undated application and notice it should not have been processed at a minimum. I am also requesting XXXX  and Experian to request the credit report used for loan from XXXX. XXXX  is playing games and doesn't have the credit application. I am relying upon XXXX, Experian, and the attached letter from Experian which states " According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute '' .If XXXX and Experian notifies XXXX  who then simply replies back they are reporting properly, is not doing their job per the FCRA 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 2020-12-18 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: DC

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX2020 I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause 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 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX American Express contacted a family member again after they agreed to cease all contact. 

American Express is violating FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: SandP Solutions, Inc.

Complaint narrative:
I had some winning from XXXX XXXXXX/XX/XXXXbut they only Pay in Bitcoin.I received the Bitcoin.as I am new to this and know nothing about it I tried to sell my Bitcoin.I tried to transfer it from Bitcoin wallet to Bitcoin cash as this seemed the obvious thing to do being a cash XXXX address populated which I entered then it said it sent.it didnt hit my Cash wallet.after speaking to Bitcoin in much detail they say there is nothing they can do! Surely if the address populated and it went somewhere but they dont know where then its sat somewhere! This was over XXXX dollars just vanished and cant be traced or given 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 2020-12-18 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: DC

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I hope this will go to a human being and not to a computer. The XXXX XXXX XXXX  account on my credit report shows a lot of inaccuracies such as incorrect credit limit {$0.00}. How can you issue a credit card with {$0.00} credit limit? This is inaccurate but it is on my Equifax credit report! Another inaccuracy is the date of last activity. XXXX   shows that this account was last active in XX/XX/XXXX while Equifax shows that this account was last active in XX/XX/XXXX. This is a huge gap. XXXX is even showing a totally different date. 
Those information from the same data furnisher ( XXXX XXXX XXXX ) are contradicting each other. Don't you see that it doesn't make any sense? It is inaccurate but it is on my credit report. 
The information on someone credit report has to be 100 percent accurate which is definitely not the case here. 
The Federal Credit Report Act prohibits you the credit bureaus to keep inaccurate information on someone credit report. You are violating a Federal Law by keeping inaccurate information on my credit report. I have sent multiple letters to Equifax about this issue but nothing has been done. The last letter that I have sent to Equifax about this issue was on XX/XX/XXXX and Equifax signed the postal return receipt on XXXX XXXX. I have attached a copy of the postal return receipt and a copy of my credit report to this statement. It has now been 121 days, a bit more than 4 months, since Equifax received my complaint and nothing has been done, it goes straight to a computer and the inaccurate information is still on my credit report. At this point, I am gathering proofs that I will use against you in court including all communication that I have exchanged with you on this matter. I am in the process of buying an house and you are blocking me. Having the CFPB involved is another proof that I will use to show that you voluntarily kept incorrect and inaccurate information on my credit report besides my multiple attempts to have that account removed from my credit report. I will also seek damages for the consequences of your inaction which actually prohibits me from buying an house. I am right now filling out the form to sue you in federal court under the FCRA which will award me damages including mental anguish damages, damages for economic loss because of your false reporting I got turn down for an house, punitive damages, my attorney fees the list goes on and on ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: MD

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX DEPTEDXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have disputed this account several times and can not get anything resolved. I even have a letter stating that Comenity Bank investigated and found the account to be fraud!!! Yet they continue to bill me and put delinquent status on my credit report. If this account is fraud then how can I be delinquent??? I also found on XX/XX/2020 on my XXXX report that Comenity had XXXX accounts for me!!!! Imagine my surprise to have opened XXXX accounts on the SAME DAY unknowingly!!! And charge on BOTH accounts!!! I am getting sick of seeing Victoria Secret bills and Comenity Bank being on my credit report. Then after requesting for them NOT to contact me ... .I got a call today wanting to discuss my dispute!! There is nothing to discuss. I have a letter stating it is fraud yet Comenity continues to post as I am delinquent. This needs to be removed from my credit report, all XXXX, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a dispute dated XX/XX/2020 to TransUnion as I was a victim of ID Theft and noticed Inquiries on my report that were not authorized by me. I sent along with the dispute my DL, SSN, and copy of police report I filed all together certified mail. I received a notice of confirmation from the USPS dated on XX/XX/2020 at XXXX XXXX. On XX/XX/2020 I called TransUnion questioning why the items were not deleted off my report and the agent told me that they saw the document in my records but it needed to be unlocked by a supervisor so I was transferred to XXXX XXXX who was suppose to be a supervisor. in taking to her she told me that my documents were not able to be located and was refusing to look for them with the tracing number i was trying to provide her. She kept saying that I needed to re mail the documents to them. I then told her that I didn't need to because I had confirmation that my documents were received by one of their agents and that she needed to track them down. all she kept saying was that she cant do it and kept saying I needed to resubmit documents. I hung up with her after back n forth conversation as I t wasn't getting anywhere. I then called back to speak to another agent who verified they received my documents on XX/XX/2020 but he also said the same thing the first agent to me and transferred me to his supervisor. I was then transferred and the supervisor that said the same thing the other supervisor said, I then hung up with him and just decided that i needed to take more drastic measures as they seem to be very irresponsible and not organized at all with peoples personal identity.

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 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo purchased our existing mortgage prior to our decision to refinance. We owed approximately XXXX. We refinanced with another company, XXXX XXXX XXXX, and we closed on XX/XX/2020. On, XX/XX/2020, I received an email from Wells Fargo indicating that we needed to pay our XXXX mortgage and they had assessed a late fee. We spoke with customer service on XX/XX/2020 and they indicated that they had no record of our payoff and we needed to pay our XXXX payment. We then called XXXX XXXX XXXX  and they informed us that they had paid off our mortgage and they supplied us with a copy of the check. They indicated that Wells Fargo had it since XX/XX/XXXX and just had not cashed it. We called Wells Fargo right back and the 2nd customer service representative said that they did have the payout, but that it was short by {$230.00}. Wells Fargo informed the XXXX XXXX XXXX  title company at closing on XX/XX/XXXX that the payout was {$150000.00}. Wells Fargo failed to include the escrow amount in the payout amount when they spoke with the title company. This left our account with a deficit which began to " conveniently '' incur fees without our knowledge. If I had not been proactive and checked on this, Wells Fargo would have continued to charge fees for an account that should have been closed. The account continued to accrue interest for the benefit of Wells Fargo. The XXXX XXXX XXXX  company had their title company wire them the additional money on XX/XX/XXXX and presumably close out the account. Our main concern here is that with Wells Fargo 's questionable behavior in the past, that they are up to this same type of behavior : shorting people 's mortgage accounts and not providing the title company with the correct amount for payout in order for them to leave the account open and collect interest and fees on accounts that should have been closed. We will check on Monday that everything has been paid and that our account has been closed, but we hope that someone will look into Wells Fargo 's new practices.

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 2020-12-18 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello there, I opened a rewards Go card with navy federal, beggining of XXXX XXXX I've been getting charged very high interest rates even making the payment above minimum payment my monthly interest rate is {$180.00}, {$160.00} every payment I started to make. I was never able to bring my owed credit down. I contacted them and I mentioned that I would Not be able to afford interested rates and they mentioned they already adjusted their APR for me. I never had an APR adjustment, I messaged them again, then they said they can not go any lower of what was given to me. During this financial hardship period they have not given me any sort of relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: MO

Complaint narrative:
Got a call from a debt collector direct recovery services was told I owe XXXX bucks and the will settle for XXXX. Said debt was taken out from XXXX XXXX. Called XXXX XXXX and they have no record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: SD

Complaint narrative:
Today XX/XX/2020 I received a Brinks Money Prepaid Mastercard at my address but not in my name. I did not request a card. I am worried that it is a scam and do not want to call Brinks because I do not know if it is a legitimate number or some type of physhing scam. I have also received several text messages on my phone over the last 10 days to the name listed on this card which is why I opened the letter even though it was not my name.

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 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XXXX 2020 the Bank of America closed three accounts I had with them since then they sent me money from two accounts in form of checks and one of my accounts in amount of {$900.00} they said was sent to back office for review now month half later after repeated calls waiting on funds being sent out to me today spoke with supervisor say funds will not be returned to me with no reason or Explanation at this point I am confused please help thanks

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 2020-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In XX/XX/XXXX I contacted Bank of America to place a stop payment for a specific vendor. I asked specifically if this would prevent the specific vendor from being able to make future charges and was informed that was a correct understanding. On XX/XX/XXXX this vendor, XXXX attempted to charge my account and Bank of America declined the charge as expected. On XX/XX/XXXX XXXX charged my account again and this time the charge was not declined. I promptly called Bank of America. After several hours of transfers and long periods of on hold I was able to reach XXXX, a manager in the credit card department who informed me that they previous rep from the XXXX did not actually complete a stop order though it was noted as such. At this point the best I can do is dispute the charge once it clears and hope Bank of America sides with me. Historically though this has not been my experience. Furthermore I shouldnt have to dispute a charge that should ever have occurred to begin with. Bank of America is offering no ownership or accountability in the situation despite a misstep on their teams behalf. This mistake has cost me {$290.00}.

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 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, DEPTEDXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: MD

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation