vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I provided my DR card information for 1 time {$1.00} fee for credit report and without my consent and approval I was charged for 3 months including the same month I asked for credit report for membership which is {$23.00} for XXXX, XXXX and XX/XX/2020. I called and cancelled membership but they only reimbursed me with XXXX and was not able to get reimbursed for XXXX and XXXX. It was very hard to find a phone number to speak to a live customer service rep and get the cancellation.

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
I noticed an Adverse account In Collections reporting on my credit report from for a {$230.00} debt balance due to L.J. Ross Associates. I had never heard of this company and I certainly never signed a contract with them. 

I contacted L.J. Ross Associates by phone on multiple different occasions to advise them that I was unaware of the debt that they are reporting and I requested that they remove it. I offered to pay the debt if they would agree to delete it so that I would not continue to suffer from the negative impact that this junk debt has had on my credit. 

This is not my debt. I have not ever conducted any business with L.J. Ross Associates. I have never requested their services and I never signed an agreement to pay L.J. Ross Associates for anything. Please stop this company from reporting this erroneous debt on my credit bureau reports immediately. Thank you for your kind assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Firstly I have been on hold now for over two hours with PayPal. PayPal put limitations on my account, I have provided all the documentation they required and each time I ask when my issue is going to be resolved another 72 hours is added. I am closing on a house on the XXXX of XXXX, My sister sent me {$3000.00} to help me with closing costs. The day I received the money, PayPal put a restriction on my account. I called them, I submitted every bit of information they wanted but still they have not lifted the restrictions. They have held my money for over 5 days, and they will still hold it for another 3 before releasing it into my account. Time is really what I do not have, I need that money urgently. My sister even called them and also wrote to them countless times. Why are they refusing with my money when both the sender and the recipient have provided all the details they need? Now they do not pick up my calls, do they flag people that call too much? People that annoy them because all they need is their money? I dont know what else to do, I have begged, I have cried for what is rightfully mine. They charged my sister an exorbitant amount in charges and still they are holding the money? I know it benefits them as a financial institution to hold peoples monies for as long as possible but they have to also realise the amount of damage and pain they are inflicting. I am appealing to their humanitarian side to to please help me with this. As I am typing this message, I have passed the 2 1/2 hour mark and no one has picked up my call. Can anyone on this forum please help me. My Reference ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 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/2020 I sent XXXX a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XXXX that is reporting accurately from XX/XX/2020 I filed a previous complaint against Experian, complaint number XXXX please update that case with the information provided by 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 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
An dispute letter was sent on on XX/XX/XXXX and I have not received an respond. It surpassed 30 days and no update so I mailed an second letter to delete XX/XX/XXXX, however the consumer served me court documents XX/XX/XXXX. Clearly they received my updated information because it was on the first dispute letter. This item is to be removed. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed. {$1500.00} written off Original Creditor : Balance : {$0.00} Highest Balance : {$1500.00} Explanation of item being disputed : The account/item is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, they deposited two checks to my account, someone entered my account and made those deposits, one check was for XXXX and the other for XXXX. 
After this, the person who entered my account made shipments through XXXX, XXXX and purchases in XXXX. 
After this I put my complaint in the bank because my account had been overdrawn by an amount of XXXX dollars at that time, I made the request of my case in the bank and they opened 4 different cases related to the fraud that they made in my account. 
today, XX/XX/XXXX, a month after investigations at the bank, they told me that I had to pay the money from my account, something that seems unfair to me because the bank has no security whatsoever with my information.

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 2020-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XXXX. After my XXXX XXXX ended, unknown accounts were open in my name. I now have alerts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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.

Complaint narrative:
TRANS UNION XXXX XXXX XXXX XXXX XXXX 1. XXXX of XXXX received notice from XXXX XXXX XXXX renewal for XX/XX/XXXX would not be offered. The reason given, I had a report on file from XXXX XXXX XXXX indicating I was deceased, thus rendering my credit rating to zero. 
2. I contacted XXXX XXXX XXXX and they proceeded to correct the issue and notified Trans Union in writing ( XX/XX/XXXX ) that the file error with XXXX XXXX was in error and advised Trans Union the issue was resolved and this error should no longer affect my ratings. 
3. In the meantime XXXX XXXX XXXX agreed to renew my policy for the term XXXX. 
4. Once again to my horror XXXX XXXX XXXX sent a nonrenewal notice on XX/XX/XXXX, indicating they could not renew my policy because my credit score was again XXXX because the file still indicated I was deceased. 
5. Again I had to call XXXX XXXX XXXX but to my extreme disappointment, they indicated that their correspondence of XX/XX/XXXX, had been received by Trans Union and because these were car payments Trans union received 12 reports from XXXX XXXX indicating a perfect record, not one missed payment. 
6. Trans Union FAILED TO REMOVE THE DECEASED NOTICE XXXX XXXX from my record, thus producing the XXXX credit rating month after month in the calendar year of XXXX. 
7. To make matters worse I purchased from Transunion a monthly reporting monitoring at {$19.00}. a month. Ha, so much for that!, spent over {$160.00} to have my insurer deny me coverage because of a poor credit rating, because of Trans Unions incompetence.and omission to properly document my file, and voiding the resultant damage. 
8. I want an apology in writing from Trans Union and years free correct monitoring of my credit file. 
I turned to Trans Union to protect me, instead they 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 2020-12-30 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: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I tried to resolve the issue with Jcp MasterCard several times via phone, to no avail. I got a cash advance charge to my credit account on : XXXX & XXXX. Due to XXXX XXXX purchases that were made using the card. I immediately disputed the charge because I never took any cash advance. Once I got the paperwork From JCP it appears that this is a standard policy. One of which I was never made aware. 


I had no idea a XXXX  would lead to these fees & never agreed to pay a cash advance fee for such transaction. XXXX gives a warning of the 3 % fee prior to submitting each one. I have no issues with that fee. I use XXXX all the time with my other major credit cards & have never had this issue. These instances happened when i was Waiting on a replacement visa card that I use daily Theres normally a 3 % fee for the transactions on XXXX & thats it. Again, I have no issue there. XXXX is fairly new & if JCPs terms were changed, consumers should have been given notice ASAP. 


I do not believe these fees are fair, nor can i afford to pay them. Ive had an excellent payment history & never made any cash as advances in the past. This can be verified.

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 2020-12-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XX/XX/XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XX/XX/XXXX. After my XXXX XXXX ended, unknown accounts were open in my name. I now have alerts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but Ihave n't got any response yet from the credit bureaus. Please help me. 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 non-monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: PR

Complaint narrative:
I had talked to Nordstrom Credit Card Services for them to remove the information about my account in my credit reports because it's old and they fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2020 Wells Fargo sent a letter that I am in default on a mortgage of {$720000.00} because my husband died in XXXX of this year. I have given them all documents that they have asked for with the exception of Amended and Restated Operating Agreement, which to my knowledge we never had. I am afraid this is a ploy to take the property away from me. I can pay this loan off but they want to charge a early payoff penalty of {$51000.00} Wells Fargo, XXXX, NC I have signed all the papers necessary to remove his name from documents since his death ( I did this in XXXX ). Yet, I am still getting notices saying they have the right to declare me in default of the loan because my husband died. My husband certainly did not choose to leave and I would bring him back to fix it if I could. I am XXXX XXXX XXXX but still did everything I was supposed to do to notify everyone we did business with and to ensure that all documents were signed and squared away. I was shocked to not only be treated this way but, at unwillingness of those at Wells Fargo to do what is right and reasonable to make this right for a long time customer. We have worked hard for everything. Even dealing with the pandemic and the loss of my husband, I contacted them and executed all documents they needed to switch everything over. Even then, they are threatening me unjustly.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-30 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: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: AZ

Complaint narrative:
On the XX/XX/2020 I reported Credit card fraud to First progress financial. At this time the company informed me that's the would put a hold on my account and if I paid in full all was even. Today when checking the status of my account I found a new charge unpaid acuring interested and unpaid balance on my account. I was informed I was responsible for the new charges interest rate, but not the charges. 

In short, I am being charged interest rate on a charge that should never have been on my credit card in the first place because I cancelled the number and was sent a new card. The website is so far behind they can't tell me why I shouldn't be paid up on full. I now have a carries interest rate on a first progress financial card that is already over paid. 

Missing final documents from XX/XX/2020. No statement available. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-12-30 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation