vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I set up automatic notifications when my credit card is due and I am not receiving them. Im getting a fee every month and Bank of America will not reverse fee. 
I called them several time but they are not helping 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 2021-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been trying to bring my account current since my Forebearance Suspension ended on XXXX. I contacted Wells Fargo numerous times to obtain a hardship letter to withdraw funds. I resumed my monthly payments while on Suspension in XX/XX/2020. They told me at one point to go to the branch to get the letter which end up being a wild goose chase. Two weeks ago I got a letter about a COVID Partial Claim. I told them numerous times I do not wish to pursue workout options and wish to pay my balance in full. Today I received a call from a title company scheduling for me to sign this partial claim. I declined yet again. I feel Wells Fargo is attempting to set me up for Foreclosure vs. sending me what I need. Every call disclaimer notes I do not need to pursue workout options if I was in a bankruptcy or recently discharged. I want to pay my balance in full.

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 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
To whom it may concern, I sent a debt validation letter to Medical Data Systems Inc. and the company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately

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 2021-09-13 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX I was under forbearance due to covid-19 for my property I reside at XXXX XXXX XXXX  XXXX, XXXX, Va,XXXX.I was going under my house refinance when I learn that my credit showing 3 late payments from JP Morgan Chase I called JP Morgan Chase which share my loan real estate home equity after I find out I have late payments showing on my credit and why I was not inform about when to start making my normal payments after searched agent came back on line and mention we had wrong address in file however its still reported late and we cant take that off from your credit until its paid in full which I made full payment right away and within time frame I was given I went back to my auto pay setup for monthly payment will be draw from my account automatically .I called back and ask the chase why its still showing on my credit late payment when I made the full payment and they were the one had wrong address in file sending the communication to the wrong address in first place it wasn't non disclose to me at any point of time without any proper communication in stead agent spoke rudely and I had wait on hold 1hr 47 min then call was disconnected. I had to call back again this time I was connected to XXXX XXXX his ext XXXX he took my concern and called me back week after chase has denied my reporting .As a fair resolution to this situation all I am asking to remove those late payments reporting from my credit in all fairness it was right after the covid happen I have always made my payment on time even after I find out I made full payment and went back to auto pay chase failed to disclosed the communication to me about my account not having correct address I am not asking a lot please look in to this matter I have a family I have been supporting all along in covid and still ensure all my payment are made on time I have been working all this time as an essential worker to help people and still ensure I wont loss my house I just need help and clear this misunderstanding as I am getting refinance this mortgage to pay chase remaining home equity is one of the reason to get refinance. 

Sincerely Thanks Name : XXXX XXXX XXXX Cell : XXXX Chase account # XXXX Property address XXXXXXXX XXXX XXXX XXXX, XXXX XXXX VA,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed an account & a few hard inquiries on my credit report that I do not recognize

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 2021-09-13 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: DE

Complaint narrative:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX and XXXX XXXX I have attached a copy of the ID Theft Report with this complaint. The report number XXXX please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: LEXISNEXIS
State: IL

Complaint narrative:
Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: IN

Complaint narrative:
I field a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment in XX/XX/2020 to my report which is incorrect and I am asking this be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
are reporting inaccurate information effecting me from getting a job that less to me stressing and lack of sleep mental breakdowns

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed an account & a few hard inquiries on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for. Credit card and they claim after I spend {$3000.00} I will get {$300.00} credit. I spend that amount and lost my credit card and didnt get it till a month later. They claim when they were issuing my card time was running and that desk expired.

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 2021-09-13 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: NJ

Complaint narrative:
On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2021, I noticed an XXXX charge that posted to my credit card account on XX/XX/2021, totaling {$340.00}. Since we did not recognize the charge, my wife and I reviewed our shared XXXX account and did not see an order that matched that amount ( see attached file " XXXX Order History '' ). 

I immediately contacted XXXX on the phone ( see attached file " XXXX Customer Service '' for evidence of the call ). The XXXX customer service representative found the transaction and stated that someone else ( possibly named XXXX ) logged into their XXXX account, made the purchase using my credit card, and then shipped the item to their address. I informed the XXXX customer service representative that this was not a transaction that I authorized, and she stated they were suspending the offending account where the purchase was made. 

I received an email ( see attached file " XXXX Account Specialist '' ) from XXXX later that day stating " Thank you for confirming that the charges to your MASTER CARD ending in xx were unauthorized. We recommend that you review all recent activity on this card and report any unauthorized charges to your financial institution. '' I followed XXXX 's advice to contact my financial institution ( Barclay ) to inform them of the fraudulent transaction. They immediately cancelled the credit card, sent a new one, and reversed the charge. 

On XX/XX/2021, I noticed that the charge was back on my account. I contacted Barclay, and they stated that the fraud department determined this was a valid charge simply because I have " previously done business with the merchant ''. 

This is not an acceptable response as they could not provide documentation that they made any attempt to communicate with XXXX to get more information about the order. I expect my credit card issuer to provide the appropriate protections and conduct a thorough investigation before closing the case as it would be extremely clear that this was a fraudulent transaction.

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 monetary relief
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Good morning, as i viewed my report i have noticed multiple errors that i would like to address as for they maybe impacting my credit ; and that's not fair to myself. 

the year i was born : XXXX only not XXXX my formal name is : XXXX XXXX XXXX not XXXX XXXX XXXX not XXXX XXXX , not XXXX XXXX , not XXXX XXXX  not XXXX XXXX i have not resided at any of these locations listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Only address that i reside in is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX my email is : XXXX not XXXX nor XXXX and, y phone number is : XXXX not XXXX thank you for understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted but no successful resolution was provided nor feedback was heard from the concerned Bureaus. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Otherwise, REMOVE this account completely from my personal report. Thank you.

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 2021-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Back in 2016, I opened a credit card with COMENITY BANK/EXPRESS , I personally paid it off and closed the account. They will not take it off my credit report. They have no phone number to contact, only a po box . I have disputed with the company twice and they refuse to remove it from my credit. The highest amount was {$140.00}, and I never went over the amount they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX I filed a dispute about the Midland Funding LLC entry. It's reporting that my balance is {$470.00}. It's not true my balance is {$270.00} which is being reporting by another credit reporting agency. I made payment to the original debtor of {$200.00}. Then that debt was sold to XXXX XXXX which is collecting for the {$270.00}. How can I owe a collection agency more money than the debt actually is. 
XXXX said they verified the debt an it's accurate. That is not true. The original debtor is XXXX XXXX. I only owe {$270.00}. 

So both Midland Funding and XXXX are falsely reporting the debt. I have disputed thru XXXX XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Transfermate, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I transferred {$2800.00} to Transfermate for the purposes of paying my landlord before I moved to XXXX. I followed their directions to the letter, and was never informed that any information, documents, or steps were missing, incomplete, or incorrect. Transfermate never paid the landlord, which required me to outlay another {$2800.00} directly to the landlord when I arrived in XXXX. I ended up withdrawing from the academic program I was originally planning to enter, and the landlord released me from the lease, making any further payments unnecessary. I contacted Transfermate multiple times both before and after this trying to get the funds released, and requested they be refunded back to the account that I originally transferred the funds from. They have refused to do so, and have required jumping through a number of hoops despite them already having all of my account and banking information. Most recently, they have told me I now have to get a release from my former landlord, whom Transfermate refused to pay. I believe this is an attempt to get me to stop pursuing the return of my funds, and in the strictest legal sense I believe constitutes a fraud given my reliance on their multiple false or at least misleading assertions.

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 2021-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: AZ

Complaint narrative:
Throughout the month of XXXX, I attempted to purchase concert tickets with my Klarna credit. My statement says I have a {$3000.00} credit limit. I go through their app and attempt to make a purchase and I'm denied. The denial says it's due to payments are behind. This is not true. I chat beginning XX/XX/XXXX with their online rep and the first rep says that they need to escalate. I get to an " escalation agent '' she proceeds to tell me that my account is frozen due to fraud. I ask what type of fraud, who is reporting this, who initiated a fraud claim, and why wasn't I notified if my account was breached? She proceeded to say that she wasn't a liberty to give me this information and that another " escalation agent '' would be contacting me in 24 hrs to give me more details. I never received the call. I placed a 2nd call on XX/XX/XXXX to their customer service team and was now told that there wasn't any fraud on my account and that the previous agent was incorrect. I now needed to possibly make an additional payment on my account ( which I already had done based on a bot chat ) but he did say that within 24hrs another escalation agent would reach out. No one ever did. I placed a third call on XX/XX/XXXX to inquire on why I hadn't received a call. This agent now repeated that there is a fraud flag but I could have this resolved by connecting a bank account to my profile and this would clear the error. I did this and still my credit is being denied even though my statement shows I have credit. I attempted again on XX/XX/XXXX and I'm being denied. I spoke with on online agent and he referred me to call the customer service team again. I've literally spent hours trying to resolve this issue and can not get anyone to explain A ) the fraud in question B ) is this the true reason I'm being denied the credit that was extended C ) which of the agents are correct D ) can not get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I am not familiar with this account. I have contacted GM FINANCIAL concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation