vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have continuously begged Wells Fargo to remove me from their call list. I'm traumatized by the incessant harassment by Wells Fargo. They call me for no apparent reason. I advised them that unless I'm late on a payment or something dire has happened with my account, they shouldn't call me. I'm XXXX and their employees call me to provide me with no information. I was called by an agent to ask if I signed my loan docs, and then realized I had. It wasn't even past the deadline. They haven't updated my payments and I noticed some irregularities on my statement. There are large payment reversals on XX/XX/21. Wells Fargo systematically targets vulnerable populations and they continuously unnecessarily harass me. If they don't resolve this once and for all, I'm hiring an attorney!

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 2021-06-09 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:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. these corporations are taking a disadvantage of me. I refuse to wait another 30 days please help me resolve this matter.

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 2021-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have been having an ongoing problem with Santander Consumer USA reporting inaccurate/fraudulent information to XXXX. This account has been closed and paid in full since XX/XX/XXXX. On XX/XX/XXXX I got my XXXX credit report and it showed late payments listed in XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ) ( proof uploaded ). I called XXXX spoke with a Supervisor for over 2 hours and they said they only report what Santander provides them. They put in a dispute and said I needed to call Santander directly. I called Santander and spoke with an Executive Manager Representative, she was baffled as to why my credit report would be updated to show late payments after the account was closed and paid and full. I provided her with my credit report showing the inaccurate fraudulent late payments. She said that's not what they reported and worked diligently to get those removed. Due to those fraudulent late payments added to my credit report it caused my score to drop 20 points. It took a few weeks and those late payments were removed for the XX/XX/XXXX credit report, it only reported one late payment XX/XX/XXXX ( 60 days late ). Then on XX/XX/XXXX more fraudulent late payments were added to my Equifax credit report again listed as XX/XX/XXXX XXXX 60 days late XXXX, XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 90 days late ). I called XXXX again explained the issue for hours, they just put in a dispute and told me to call Santander again. My score dropped tremendously once more. It was eventually fixed on XX/XX/XXXX showing only a late payment in XX/XX/XXXX ( which is also inaccurate ). When I check my XX/XX/XXXX credit report it now shows late XX/XX/XXXX and XX/XX/XXXX. I called Santander to dispute this new late payments and asked to speak to an Executive Manager. I was told that I would receive a call back within 3-5 business days, but have yet to receive a call back. This reporting of inaccurate late payments being put on my credit report and then being taken off has been going on for years. This issue needs to be rectified once and for all with the deletion in entirety. Proof of each of the months that were mentioned from XXXX XXXX credit report has been uploaded. I uploaded XX/XX/XXXX as well to show how it was only reporting XX/XX/XXXX and XX/XX/XXXX late prior to the XXXX issue, but in XX/XX/XXXX there was only XX/XX/XXXX late payment. How these late payments are being reported to XXXX are being sent arbitrarily with no one knowing how or why its being reported that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Deposited a paycheck via ATM on XX/XX/XXXX and a ten day hold was placed with no reason given, attempted to clear the hold over the phone and in store but they were unable to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: OK

Complaint narrative:
I was denied credit for a credit line I applied for and was denied. Once I was made aware I pulled my report and there was a collection in the amount of {$180.00}. I did not receive a 30-day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/21 I opened a checking and savings account online with Citi Bank. After receiving the checks and debit card in the mail I tried to login online to activate debit card. I no longer had access and I called in and was told they could not verify my identity. Makes no sense as I have 2 credit cards with them and bank at multiple financial institutions. I wasnt going to argue about it. I asked for my funds to be sent back to me and that never happened. I waited until mid XXXX and called in again and asked for my funds to be returned and that what they were doing is illegal. Was transferred several times again and told what happened was a mistake and I would get a new debit card in the mail and my account was reopened. That has not happened and they have not returned the funds. Im extremely frustrated and there is no Citi Bank location near me to go to.

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 2021-06-09 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

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 2021-06-09 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclay : On XX/XX/2021 I submitted a cashiers check to Barclay. After speaking with them over multiple occasions over disputes I was arguing i decided to pay the full amount of XXXX. The cashiers check was cashed and they refuse to make the adjustment on my credit report. On my currently credit report they are showing I settled the account and I DID NOT SETTLE. The account was paid in FULL and was told the account would be deleted off my record for the charges that were made while I deployed while on XXXX XXXX. I agreed with the terms to pay in full as long as the account would be deleted. And my current problem is I sent them one amount and they are showing another amount. And another reason Im concerned over this matter is because initially they wanted me to settle the account. So requesting the account be deleted off my record since they are and have been reporting false information that Ive disputed for years and now finally paid them in full to get the account deleted or even marked or written up appropriately. Just tired of dealing with individuals that just dont care and all I was doing was what I thought was right. Please, look into my account and make the appropriate changes as I can give evidence of the account getting paid 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 2021-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have placed an order on Amazon.com and used my reward points from the amazon store card which were XXXX dollars for that order on XX/XX/2021 order number XXXX and then I cancelled the order few minutes after, but until today XX/XX/2021 I did NOT get the reward points back which are the XXXX dollars. I called amazon and I called the amazon card at synchrony bank but everyone gave me a different answer. I was told I would get the rewards points back within 48hours and somebody else said 72 hours and the representative at synchrony bank amazon card said 3-5 business days but I still have NOT received the money back. Its like the money was lost and never refunded back to me and today I asked for an account manager and he was very rude and unprofessional and loud and said I have to wait for 2 months until end of XXXX to get my rewards money back and he said it in a very angry loud voice. Very poor quality customer service and very poor quality management. I want my XXXX dollars rewards money back so I can use them to place a new order on Amazon.com. Amazon store card can not hold my money for 2 months like that rude manager screamed in my face. Very rude and unprofessional.

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 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Hello I disputed this to XXXXXXXX XXXX and XXXX  I havent heard anything back. This is not my account. I never had a XXXX XXXX XXXX account for {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I got a notification that my credit rating dropped five points. By this NTB/CBNA. I have never used or authorized this at all.

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 2021-06-09 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: PA

Complaint narrative:
Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was scammed online by XXXX and he said about sending me a gift. But then fake courier milefast send an email to me requesting fees for an antiterrorist certificate, anti monetary laundering certificate, international monetary fund certificate. 
I requested a claim investigation for scam wire with my bank, Citibank in XX/XX/2021. Recently, Citibank closed the case because the beneficiary bank XXXX XXXX responds that the scammer withdraws all the funds and closed the account. The amount is {$2000.00} with reference number # XXXX. The second amount is {$8400.00} reference # XXXX. I

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 2021-06-09 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: National Credit Adjusters, LLC
State: MO

Complaint narrative:
The original debit was with XXXX XXXX then sold the debit to National Credit Adjusters. On XX/XX/21 National Credit Adjusters agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. XXXX  and XXXX  arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NJ

Complaint narrative:
I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. Transunion, XXXX and XXXX  have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Transunion, XXXX and XXXX have all my the fair credit reporting act. I want all items deleted.

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 2021-06-09 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: NJ

Complaint narrative:
I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. XXXX XXXX and Equifax have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  and Equifax have all my the fair credit reporting act. I want all items deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
I checked my credit report and realizedI had a debt collection for the amount of {$810.00}. I did not receive 30 day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt.I contacted company and the issue hasn't been resolved.Date opened XX/XX/2017

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 2021-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: NC

Complaint narrative:
XX/XX/XXXX I purchased a vehicle that was financed through Global Lending Services. I paid every payment on time, never missed a payment. I intended to refinance the loan for a better interest rate after six months. However, I never got that opportunity. On XX/XX/XXXX, I was in a car accident that was no fault of my own. Despite how horrific it was, I managed to reach out to insurance the next day, as well as Global Lending Services so that they could reach out to the gap insurance carrier. During that same call, I was advised to make the car payment for XXXX if I wanted gap coverage to be applied. So, I made the payment on a car that had been deemed a total loss. In XX/XX/XXXX, the insurance carrier sent a check. Global Lending Services failed to inform me that there were still fees and interest being applied to the account. They had assured me that with insurance and gap coverage, I would would no longer have a debt to them. Prior to the total loss, ALL payments had been made on time, and there was no outstanding balance. Under Section 623 ( a ) of the Fair Credit Reporting Act, it is prohibited for a creditor to furnish inaccurate information to a credit reporting agency. Because I was told that I had no more obligations, any late payments after XX/XX/XXXX should not have been reported. Additionally, Global Lending Services reached out to the gap insurer. That presented a conflict of interest, as the gap insurance check took four months to be sent to Global Lending Services. They received it in XXXX, XXXX and according to them, the loan was still accruing interest. Global Lending Services also violated the FCRA by reporting an inaccurate statement of the balance due. They also failed to notify me when they supplied the credit reporting agencies of negative information. Global Lending Services also violated 15 u.s.c. 1692d ( 5 ) and 15 u.s.c. 1692d ( d ) of the Fair Debt Collection Practices Act by causing my telephone to ring. The Unfair practices clause in the FDCA was also violated by Global Lending Services. 15 u.s.c 1692f ( 1 ) clearly states that ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The company intimidated me by reporting information that damaged my credit worthiness reputation. The company also intimidated me into paying money XX/XX/XXXX. I am seeking resolutions to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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 im 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 XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation