vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX  XXXX ever since. XXXX XXXX XXXX  is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX  is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false 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 2021-06-07 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: Metro Collection Service Inc.
State: CA

Complaint narrative:
I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX  XXXX  ever since. XXXX XXXX XXXX  is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name Metro Collection, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

Metro collection services collections for XXXX XXXX is the property management company. XXXX XXXX  XXXX collections for XXXX XXXX is the property owner. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wanted to withdraw {$4000.00} from my opportune checking account. I called the branch before hand to insure that if it was available and was told yes. At the branch XXXX and her Manager said no. I called the the number in the back of my card and was told by 2 representatives that I should have been able to take the funds out and they are not sure why I wasn't. I was escalated to the executive office and spoke to XXXX. I need the calls from today XX/XX/2021 audited. I asked XXXX what the facts were ; am I able to take my funds out yes to no and she said I would have to wait to get a call back in a few days from the case manager. I am tired of my account which is a second opportunity account being discriminated against. Today I had my funds denied to me which is illegal. The funds are in my account and it my money. Customer service has confirmed that I should be able to take it out and yet I CANT. XXXX ignored my questions and simply stopped talking. She needs to be fired for lack of professionalism. This is not fair nor legal to customers who need their funds. This is an ongoing issue with Wells Fargo and the need to be investigated. I should not get different information from Wells Fargo employees. The executive office should be able to answer questions and not lie. The executive office is the most unprofessional part of wells Fargo and my calls with XXXX need to be audited, what this bank does is illegal.

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 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2021 and MXX/XX/2021 I made two XXXX transactions through my Bank of America app to pay for a vacation bill in XXXX XXXX XXXX XXXX. XX/XX/XXXX transaction was for {$660.00} and the XX/XX/XXXX transaction was for {$650.00}, so a total of {$1300.00} was transferred to pay for the vacation property. I booked with XXXX XXXX XXXX XXXX on XXXX and the property management reached out and insisted on being paid through XXXX. Upon arrival to XXXX XXXX on XX/XX/2021 the property management gave us an address completely different from what we originally booked. I explained to the management that we had no way of getting to that property there were no rental cars available that weekend and it was just way to far and very unprofessional of them to wait until the day we arrive to change locations. I asked for a refund and told them we would not be staying there. The management I spoke with gave me a different number to call and I received no answer, no call back, and I sent Bank of America text messages, and screen shots of the XXXX payments and explained to them that I was scammed into making these transfers for a property that doesnt exist. I filed a fraud claim with Bank of America on XX/XX/2021. On XX/XX/XXXX I received a letter from Bank of America saying that they were unable to approve my claim. I called and was told the account that the XXXX XXXX people had me send the money to had no available funds in it so they couldnt demand the money back and suggested I reach out to the company again but this company does not exist the website only has a XXXX phone number and hotels.com has taken them down off of their website.

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 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
Received call XXXX asking for a different name but then corrected the name. Wanted to verify personal information. I indicated I wouldn't verify any personal information. Indicated they were calling from Nat. Credit Adjusters and had an offer with only a few days left before it went to an attorney. Advised i didn't know who they were or why they were calling. Asked me to verify my name, DOB, social security number, mailing address. Told them if they had business, please send something via mail. Said they had sent 6 mailings so I asked if they would send another because obviously i hadn't receive the others. 4 days later I receive an alert from XXXX indicating I have a new collection account from NCA with an original creditor of XXXX XXXX. I disputed the account with XXXX because XXXX XXXX had the XXXXXXXX XXXX account and the civil suit was non-suited in court in XX/XX/XXXX. XXXX XXXX and XXXX had deleted the accounts from my credit file. Continued to receive calls from different numbers from Nat. Credit Adjusters. Dispute came back unchanged so I contacted XXXX. Representative from XXXX verified the XXXX XXXX and XXXX accounts were deleted in XX/XX/XXXX and Nat. Credit Adjusters didn't post the account until XX/XX/XXXX. She reopened the dispute. Each time Nat. Credit has called I have refused to provide any personally identifiable information other than my name and have asked they contact me by mail. I have received nothing to date and haven't received anything confirming the validity of the debt. Today, XX/XX/XXXX, they've called again. I wouldn't verify any information, told them I was not liable to the original creditor or them, the case had been non-suited in court with a previous attorney and debt collection agency AND that the debt was in dispute and it was against the law to contact me while the dispute was open and they had NOT sent me any correspondence but have contacted me daily. They have not sent an accounting of the debt, ownership of the debt, or any information concerning the alleged debt. I want them to close the account and remove the collection on my credit file, stop harassing me, and stop the threat of legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
This company is constantly calling me. I have records of the back to back, constant calling from them. I have asked them previously to stop the constant harassment but they continue to do so. They start these constant phone calls with a day or so past due and continue to call constantly ALL DAY until you make a payment. I have phone records to show this and it is not an isolated, one time thing. This happens all the time. Just today XX/XX/2021 I have received 5 phone calls from them starting at XXXX ( it is now XXXX EST ). They also email you as well. This is harassment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery constantly calls me 7 days a week non stop and multiple times per day. 
Dates they called XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  ( may have called more times as I recently got a new phone ) I have not answered any of these calls. I have talked to them one time I think in XXXX or XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Comenity Bank is reporting a late payment. I have already called them multi times and they are in violation of 15 usc 1681b ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I have already requested that they do not report my private information with a non affiliated third party. This late payment they are reporting came from a credit consumer transaction and it should not be reported. It should be exclude from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is reporting late notations on my credit file for XX/XX/20 and I ask that they please remove them. During the beginning of Covid my company had a really hard time and we were impacted from start to now. We ended up closing for a few weeks during this time. I went during this time with no pay so once I was finally working, I could pay on my account. I have been current since. I ask that Wells Fargo please make a one time goodwill adjustment to remove the late from my file.

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 2021-06-07 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:
I am asking for the XXXX Charge account to be removed off my credit report. I have made several complaints about the account and this account does not belong to me. This account was solely opened as a result of identity theft.Please remove this account off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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.
State: TX

Complaint narrative:
My name is XXXX XXXX, I am following up on correspondence dated XX/XX/2021, about the bankruptcy that that reporting on my credit report with Transunion stating that it was verified. I've attempted many times to have this account investigate, but somehow Transunion has verified this bankruptcy as being accurate. I don't understand why they can't provide proof, because Im been trying to figure out how in the world did they verify this account? The US Bankruptcy Court informed me that they do not have my full social or any other important information pertaining to this PERSONAL and PRIVATE information. I also did not give them permission for them to share this information. My question to you is if the U S Bankruptcy Court does not have all my certified identity information, a 3rd party must likely does not and is not supposed to have it and is not required to verify the bankruptcy as being accurately reported. I demand that you remove this bankruptcy because it is NOT accurate and even a person with basic knowledge of my Consumer Rights have been violated. An impaired individual could see that the account is not accurate and is violating the accuracy of properly being verified. This is creating a lot of problems for me credit wise and financially. It is not fair to me to suffer and stress because of your inability to do things properly and illegally. All I want is for you to do is your job correctly and to properly investigate this account correctly.

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 2021-06-07 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: Colony Brands, Inc.
State: MS

Complaint narrative:
I ordered merchandise on XX/XX/2021 and about an hour later, I requested to cancel the order until further notice. I got an email " the next Day '', on XXXX the XXXX, 2021 stating that the merchandise had already been " shipped '', but I requested the order be cancelled within 8 hours of the order on Sunday, so there are " no '' shipments on Sundays. I spoke with three people today on phone about the order ( the third one was a supervisor ), and she told me that she would credit my account for the order since I requested it be cancelled the day the order was placed, within 8 hours. Consumers have the right to " cancel orders '', within24 hours, which I did within 6. See attachments of emails correspondence back and forth with Swiss Colony Reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
i had several instances of fraud at chime bank. they denied both of the claims. The first was two transfers from my bank to another outside account ( XXXX and XXXX ). I caught this in time but when they tried to idenify me they said my birthday was wrong and could not do anything til II send in my id and get it corrected. I never before had this problem. I immesiuately sent it in but the time it took them to change the date ( 48 hrs later ). The transfers went through and allI could do was dispute the transaction, which I did. Around the same time someone took my debit card out of my mailbox and activated it and charged and took out cash ( XXXX ). They denied this dispute as well. I appealed both to no good result and when I kept trying to provide additional info they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Applied for the ''Amex '' Magnet credit card around XX/XX/21 declared as pending status. I called around XX/XX/21 was informed I was approved then I said now I can work on the reward to their personnel and she responded ok. Then I called Fri. ( XX/XX/21 ) I had a few questions for them in conversation they then informed me I wasn't going recieve the {$200.00} statement credit due to to many accounts open and closed in a 2 year period and that I closed one their c.c 's in the past even though it was in good standing. I then proceeded to ask there personnel why they didn't inform me of their refusal to pay me a {$200.00} statement credit on ( XX/XX/21 ) when the lady had all my personal information in their computer on that day? They didn't have an answer for that then I logged an official complaint with them on ( XX/XX/21 ) and they responded weeks later with the same reason. In my opinion this is very unfair of them not informing me from the beginning. I presently still have this Magnet credit card in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: MD

Complaint narrative:
I would like to reference this complaint ( XXXX ) where is is also an addendum to the same problem previously put in a complaint here. It involves a previous mortgage servicer that our loan transferred from back on XX/XX/XXXX. ON that same date the report had become Closed and Current that also had some missed payment history in it. Soon after the transfer the closed account had had a many changes taking place. And when we asked both credit bureau and proving company about the changes, they both kept saying a Closed account should not have on going changes constantly being made to it, that is what is meant by being Closed. This problem has been ongoing and with my many screen captures of what is being changed and ongoing reports from others who monitor your credit report, back in XXXX I put a bunch of shots together and sent them to the provider our our CLOSED mortgage account. And I also posted the complaint her on the CFPB and got very favorable response from the provider of our Closed account. the also sent me an signed letter, and it they say they sent to all four credit bureaus to Delete their closed credit report of our account. It clearly stated my wife and my name, yet as with other things they said the sent to the credit bureaus, no action was taking, so I contacted one directly that responded that in internal investigation prove the account should be removed, and they di just that and then notified me. I then came back and opened a complaint for the other and main credit bureaus, that soon after also remove the accounts, but only for my name. Looking at wife file, only two had took the same action, with there still being the Closed account that the provider had requested be deteted, still showing. I then opened another complaint and soon after saw the now only one account still remains. So in another and recent complaint ( above ) it mentions an answer from them by mail, that indicated that the account was not showing from an investigation. That was true for my account, but not for my wife 's account where it is still to this day showing. Ok, so there I should maybe have been clearer, but for those who are helping us with that, the letter provided nothing. And they want me to post one last complaint here asking that the Closed account that was Closed on XX/XX/XXXX finally be deleted. The original request was sent for XX/XX/XXXX. At present this is only a problem with Equifax, with the question asked to me was the letter I sent concerning this had clearly indicated to delete the account for bot name and my wife 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX I applied and was approved for a capitol one Walmart credit card. A week later account was restricted because capitol one called saying someone fraudulently opened a account in my name. When I informed them that it was me I was told I needed to verify my identity. At first I sent them my Tx. CDL, my Social security card and a bank statement from my credit union to which I was told they could not verify because the account numbers were blacked out. I then sent a XXXX bank statement with my current address and was told that my documentation address did not match my account address. Then a couple of weeks later I spoke to a fraud manager XXXX and explained that when I applied for this account I was in the process of moving, XXXX told me to send documentation with my old address and that would clear up the matter. Now it is XXXX and still Capitol One fraud department can not figure out my identity, even though I have 2 other credit cards and a auto loan with capitol one. And I am paying on the Walmart credit card from the same account ( XXXX ) to the other capitol one accounts of which is on the documentation I have already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: MS

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and XXXX you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation