vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Early XX/XX/2019, I ( XXXX XXXX ) set up autopay on the Wells Fargo Dealer Services website. I was indicated on screen that the autopay would take up to 15 days to take effect. 

Wells Fargo claims that I never signed up for autopay and they dont see it on their end, therefore blaming me for an error on their end. And refuses to removed the delinquencies from my credit, when that is the only delinquency that is there, no other missed payment ever. 

Theres no way for me to prove that their online system instructed me to wait for 15 days, so they refuse to help. Theyre saying I created the autopay over the phone in XX/XX/2019, which I did after discovering my online application didnt go through. This detriment is stopping me from buying my new home. Thank you for the help

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 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/2019 Synovus completed its purchase of FCB Financial Holdings. I used to have an account at FCB, which I promptly closed ahead of the merger completion date. I've never been a customer of Synovus, neither do I want to be. I have received multiple emails from Synovus that just won't stop and they have no opt out link in them. I have reached out to the local President of Synovus on several occasions ( one of the emails was a welcome letter from him ) asking to be removed from the email spam. 

Today, XX/XX/XXXX at XXXX I received another email from Synovus informing me of customer wait times longer than normal. I don't care : I'm not a customer. Any emails from Synovus sent to me at XXXX must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I visited an establishment in XXXX. My Chase XXXX   XXXX  credit card ending in XXXX and another card a Chase XXXX   XXXX  ending in XXXX were stolen. 

After leaving the establishment I received multiple fraud alerts and realized my credit cards were missing. I called Chase and immediately reported the cards were stolen and the fraudulent activity. 

In total I was informed someone at the establishment or merchant attempted 7 transactions, of which 2 got through. One on my card ending XXXX for {$3300.00} and another on my card ending XXXX for {$55.00}. Chase said I would not be responsible for the fraudulent charges, canceled the cards and I did take further steps at that time. 

Initially the 2 transactions were reversed, but after returning from XXXX on XX/XX/XXXX I was informed I would be responsible for the {$3300.00} charge. Through multiple conversations and disputes after that a senior fraud investigator named XXXX and a supervisor XXXX XXXX XXXX said they re-opened the case on XX/XX/XXXX because : 1. It was shown in their system that there were 7 total very suspicious attempted transactions, that seemed to be an attempt to max my card, of which the 5 on my card ending XXXX were listed to me with amounts and times : XXXX EURO - XXXX XXXX EURO - XXXX XXXX EURO - XXXX XXXX EURO - XXXX XXXX XXXX - XXXX I  know my credit card limits are over XXXX USD and it would be inconceivable these would be legitimate and authorized transactions. 

2. I filed a police report on XX/XX/XXXX, but that had no results. 

3. The charge for {$55.00} on my other card ending XXXX was fully reversed and deemed fraudulent. 

For the next 2 months I did not hear any response from Chase, believing they had forgotten my case and or simply chose to ignore it, I sent another email to XXXX XXXX on XX/XX/XXXX. 

Curiously right after on XX/XX/XXXX they said they reviewed the case again and refused to reverse the charge for XXXX, and offered no new information or reasons on the decision. They had previously citied that I was at the establishment and received benefit, which is absurd because I didn't authorize those charges, and paid in cash for any items. Nor would I purposely try to max a credit card by running 7 transactions on it, when I know very well what the limits are. 

Furthermore it is completely inconsistent for 1 charge from the same establishment to be deemed fraudulent, but on the other hand claim another charge is not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a bill from the emergency room visit. At the time of the visit, I was homeless and receiving XXXX and XXXX for insurance. Additionally, I was going through fleeing from XXXX  XXXX. So, I was residing in a confidential shelter. I qualified for Social Services offered, as well as other XXXX options. I told the personnel about my situation and was given assurance no bill was issued based on information as stated above. As of to date, I am on XXXX and have been since I moved to California XX/XX/XXXX. I was not aware of any bills until I recently received my credit report. I was surprised to see a balance from XXXX XXXX. I can assure you I was definitely receiving XXXX and XXXX. So, I am perplexed as to why I have an outstanding balance on my credit bureau. 

MESSAGE FROM BUSINESS : Dear Ms. XXXX, This letter is in response to an inquiry received at XXXX XXXX XXXX from the XXXX XXXX XXXX  on XX/XX/XXXX. The inquiry referenced your complaint regarding your Emergency Department ( ED ) visit on XX/XX/XXXX. Your concern is that the charges for this visit appear on your credit report, and that you were XXXX eligible at the time of service, Treviewed this visit and located the eligibility inquiry our registrar submitted on the XXXX website. Based upon the SS # and birth date provided at registration, it was determined you were not XXXX-XXXX  eligible on XX/XX/XXXX. ( Please see the attached copy for your reference ). Therefore, this encounter was considered a " cash '' account because there was no insurance to bill. XXXX-XXXX  eligibility was checked again in XX/XX/XXXX, and again was returned as not eligible. Please note the State of  California only allows one year from the date of service to check for eligibility, so currently we are unable to check for XX/XX/XXXX. 

Treviewed the physician 's dictation from this visit which mentions " patient is residing in her car  ''. Because of this statement in the ED dictation, I will consider this to qualify for our financial assistance program. Therefore, I have contacted the collection agency, XXXX XXXX XXXX, to cancel collection efforts and have this balance removed from the credit bureaus. A letter from XXXX is forthcoming to confirm this information and will be mailed to the address listed above. You can contact XXXX  directly at ( XXXX ) XXXX if a letter is not received within 2 weeks. 

Please note we consider this account to be resolved. 

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 2020-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I made and electronic request on Transunion 's site through XXXX and no one responded to my inquiry to investigate and remove XXXX XXXX XXXX, an inaccurate item, on my credit report in the amount of {$19000.00}.

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 2020-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Trakk, LLC
State: SC

Complaint narrative:
I contacted auto track on XX/XX/2020 and explained the financial hardship due to being laid off due to the coronavirus. I even told them if I can go back to work in a week or so I wouldnt get paid until the middle of XXXX. I was told that my payments are weekly and I have only made seven payments. The managers would not be willing to help me. I needed to pay as much as I could by this Friday. 

An update as of XX/XX/2020 I am no longer employed and will not be returning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I HAVE PROVIDED EXPERIAN WITH ALL THE DOCUMENTS TO PROVE THAT THE BANKRUPTCY SHOULD NOT HAVE BEEN ON MY CREDIT REPORT. I HAVE SUBMIITED ALL DOCUMENTS, AFTER THEY INVESTIGATED IT, THEY MAILED ME A LETTER STATING THAT THEY HAVE DELETED IT, BUT S OF XXXX, IT IS CURRENTLY REPORTING ON MY CREDIT 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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have no financial obligation to this company and because I never signed for this account, please take them off from my credit report.. Equifax not following the laws I have provided a police report and the items are still listed on my credit report XXXX/XXXX  XXXX, XXXX XXXX , XXXX - CARD SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have no financial obligation to this company and because I never signed for this account, please take them off from my credit report.. Experian is not following the laws I have provided a police report and the items are still listed on my credit report XXXX  CARD   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 2020-04-03 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I made and electronic request on XXXXXXXX XXXX  site through XXXX and no one responded to my inquiry to investigate and remove XXXX XXXX XXXX, an inaccurate item, on my credit report in the amount of {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
XX/XX/XXXX I called to once again let them know Im being reported late although their records show I havent been late Rep insisted their records were correct and up to date but credit report shows late ... .I also call XXXX, and XXXX of XXXX to have them investigate the account as to why they were reporting me late and was told the would make the changes and updates would be made but none were made. Modified mortgage in XX/XX/XXXX have been paying each month never late and the still report me late. Theyve reported late during my modification trial months as well and each month then after.

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 2020-04-03 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: Crown Holdings, LLC
State: NJ

Complaint narrative:
I have made disputes with the credit reporting companies and the debt collectors, who dont even have accounts that are mine, just keep harassing me over small amounts that they split and renew so it never leaves my report.

Ive also been informed that my identity was stolen by my bank. They caught it early but there are 12 inquiries that I cant get removed. 

The biggest problem is that credit reports are not easy to read for consumers and debt collectors are able to find loopholes like what I explained earlier. They have harassed me over a bill that belonged to a previous owner of a house I lived in 10 years ago! It started as {$68.00}. But its the principle. I looked at my credit report today and they were able to sa it was a new date as of XX/XX/2020. How is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: AL

Complaint narrative:
I HAVE ASKED SEVERAL TIMES TO RECEIVE VALIDATION OF DEBT, THEY HAVE NOT BECAUSE HE DEBT IS NOT MINE, IT IS AGANIST THE LAW TO HAVE IN CORRECT ON MY FILE, PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY, XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened this account with Fleetcor for a XXXX XXXX XXXX over 3 months ago. I used the card, always made payments on time. All of a sudden, card was closed without any notice or any calls. Called in and was told to call Fraud. Customer service would not let me through to fraud so I talked to them. Customer Service infomed me email fraud at their email address for Fraud to see why was closed. Never got any email back from fraud other than a dispute form that was for credit card transactions only. This was not a credit card transaction so I emailed fraud back asking for correct form and no reply after several emails. i found out finally from talking to customer service the reason it was closed due to not being able to verify my XXXX. My XXXX   clearly stated on the website with Secretary of State and active. Tried to communicate this via email but no response. Now they are holding my security deposit and will not return it. Customer Service Rep advised me not to pay the last invoice because the security deposit will be taken out of it. I have now waited 2 months and the invoice is past due and getting ready to effect my credit so i paid it. I called customer service to talk to someone about when it will be returned and still no response, no resolution.

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 2020-04-03 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: AL

Complaint narrative:
I HAVE ASKED SEVERAL TIMES TO RECEIVE VALIDATION OF DEBT, THEY HAVE NOT BECAUSE HE DEBT IS NOT MINE, IT IS AGANIST THE LAW TO HAVE IN CORRECT ON MY FILE, PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY, 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 2020-04-03 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 with product or service terms changing
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
This might be the wrong platform for this report but ... on XX/XX/2020 discovered unauthorized purchases on two of my credit cards. Resolved issue with my XXXX Master card. Card cancelled and {$900.00} removed. However, my Barclays VISA card was a different story. At time of discovery about {$1500.00} was charged to XXXX, a XXXX XXXX  website. Contacted the customer phone number on VISA card and automated message stated all personal are not there due to virus and directed me to website. However, no provisions for reporting fraud. Have sent 5 secure messages advising them of problems but no response to date. Since then card balance up to $ 4500.00+. Have sent numerous messages to XXXX  via the contact point on website about the fraud. No response or action. Each day I receive e-mails from their e-mail address advising me that a lady has a message i.e. pictures or videos. And I reply to that msg advising them the card number was stolen and to stop using it. Right now I am awaiting replacement card from XXXX MC, don't want to use my VISA. Help.

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 2020-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the CFPB regarding this collection company trying to collect on an already discharged Bankruptcy debt recently. They responded with an answer of which I will paste right here : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX - This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XXXX, XXXX. In light of the information provided in this complaint, we have closed our file and returned the account to our client for further review and processing. As such, you will not receive any further communication from our office pertaining to this account. Additionally, we have instructed the credit reporting agencies to have this account deleted from your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX As you can see, they had promised to have this deleted from all of the credit bureau agencies, but instead, not only did they not remove it, but it was added to my XXXX  and XXXX credit reports after this response/answer was given to me stating otherwise. So it was removed from XXXX  and added to the other two bureaus after the answer was given in regards to this matter. I even called and spoke to a gentleman over at DRS 's main phone number and told him what happened. He stated that he would have it removed immediately as well-that was over two weeks ago. Since then, this damaging entry still remains on my credit and I am fed up and done with trying to reason with this Company. The next step will be legal action. Who's to say that I haven't already spoken to an Attorney about this mess? I am finished playing games with this collection company. I feel like they have been lying and being very deceitful about this whole situation-From trying to collect on a discharged bankruptcy debt right up until now where they promised to remove this damaging credit report entry but instead ADDED IT to the other credit bureaus ' database after they had promised that it would be removed from all of them. 

I am not happy about any of this and I can assure you that if this doesn't get taken care of IMMEDIATELY, I won't hesitate to take this to the very next step that is legally available to me as a consumer. My credit is ruined because of these guys, I have suffered from many credit application denials because of this damaging credit report entry, and I have suffered beyond explanation both mentally and emotionally because of the stress that this has created for me over the last few months.

Company response to consumer: Closed with explanation