vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: VA

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: IL

Complaint narrative:
This is a follow on to XXXX. This matter was closed before resolution was final. You received a response from KeyBank, however, they acknowledge that they owe me a small sum of {$42.00}. However, sense XXXX XXXX I have not recieved the final balance or the copies of my monthly statements which had been requested 5 times. 
The representative from Keybank XXXX XXXX provided her direct contact number if I had any questions. I called XXXX XXXX at XXXX on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time leaving a brief message and requested follow up. 
XXXX XXXX has not responded by phone, email or mail. I have not received all of my funds on my account. Nor have I gotten my statements- which would allow me my right to review all transactions on my account and to assure myself that all stolen funds have been returned. 
The balance of {$42.00} is due to a purchase returned to the XXXX XXXX XXXX. It should not take 2 months to respond to my calls or to release a check- which she acknowledges is due to me. 
The receptionist I spoke with each time express understanding at my frunstration but could only send an email to XXXX XXXX XXXX to no avail. She is never available to take my call and refuses to respond to them. I asked for another representative to speak to and was told I could not. 
Please intervene once again on my behalf to bring this matter to a FINAL resolution. 

I amconfident that had I not involved the CFPB I would not have gotten a response from Keybank at all. Please assist once again to bring this to a final close. 
I am due {$42.00}, monthly statements from XXXX XXXX thru XXXX or what ever month becomes the final closeout month. Because of refunds I do not know if there are anyother transaction amounts due me. I need to see my statements and should not be denied access to my financial records. 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: IL

Complaint narrative:
On XX/XX/XXXX, when my loan of {$10000.00} had been fully discharged, the letter advised it would take up to 180 days to be cleared. The information regarding the discharge was relayed to XXXX on XX/XX/XXXX, the loan had in fact been discharged. I have contacted XXXX several times recently as of XX/XX/XXXX still with no concrete conclusion other than they have extended the time frame to XXXX with no notification to the borrower. Each time I tried to clear this debt from my credit report XXXX sends a report back to all 3 Credit Bureaus that the debt is owed. I have sent the discharge letter to the credit bureau on several occasions still getting the results that the debt is still owed. This adverse action is causing me not to be able to move forward with a home purchase. I would like this matter and XXXX practices investigated.

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 2022-04-01 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Sometime during XX/XX/XXXX I was charge {$29.00} by the store XXXX XXXX XXXX XXXX in my Commenity Capital Bank XXXX ... XXXX, during the month of XXXX, I was out if the country, I realize the charge from the store and the late fees from the Commenity Capital Bank until XX/XX/XXXX and immediately I call and wrote to their Commenity fraud department, the Fraud department sent me to their customer service attendants, who at the time sent me to the store customer service. 
I call the store XXXX XXXX XXXX XXXX  and complaint for the XXXX charge, since I did not authorize it, their claim was that it was an automate charge for membership, I never receive a notification asking for my approval on the charge nor I authorize their charge for the membership, their final response was they will remove the charge. 
I contact Commenity and explain the situation to their cuatomer service, the file a claim and promise to resolve this issue before 90 days. 
In the meantime, I have been charge interest late fees in the amount of {$130.00}, reported late on my credit report from a card that have a {$0.00} balance in the month of XXXX, XXXX. 
I call their customer service on XX/XX/XXXX to find out about my claim, and their reponse was that my claim was droped withouth a notification and/ or resolution. 
It seems that this is game played by the store XXXX XXXX XXXX XXXX  and the Commenity Capital Bank to obtain Junk Fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: Choice Recovery, Inc.
State: MO

Complaint narrative:
I was charged a doctors visit from a doctor named XXXX XXXX XXXX. I have mever been to or rendered service from this doctor. That charge was sent to a collections agency named Choice Recovery. Which in turn negatively impacted my credit score. The doctors office stated today XX/XX/22 at XXXX that they have told the collection agency choice recovery that I am not a patient and to remove my information from their collection activities. I have made several disputes online with all three credit reporting bureaus. Choice Recovery is failing to remove the collection account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My home was permitted by the mortgage servicer to enter forbearance in 2020 because of the public health crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
A few years ago XXXX XXXX put a {$77.00} charge on my account. I went thru the credit bureaus and the it was proven to not be mine and they removed it from my credit profile. They have sold the debt to a couple of collection agencies over the next couple of years and and I repeated the process with the same result. The debt was removed. They have once again sold the debt to Sunrise Credit Service my credit score has dropped XXXX points. I would like this handled once and for all so that they can't sell this debt every year to another company causing large drops in my credit and hours os wasted time to once again prove that this is not my debt.

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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: NY

Complaint narrative:
FRAUD, INCORRECT REPORTING.

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 2022-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear XXXX XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the months of XXXX through XXXX and identified the debt as two charge offs of XXXX and XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, 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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
My account was hacked and Ive been trying to call and chat with them but their phone numbers dont work and they keep passing me around from agent to agent and now I cant get ahold of anyone. I just want them to help me with my hacked bank account and they wont.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In XX/XX/2020, I submitted disputes online with equifax, along with uploading documentation, as to the inaccurate Date of Birth being reported. Upon every attempt, Equifax immediately closed the dispute stating the incorrect information was in fact verified as correct, and NO changes would be made. I have had several attempts blocked from dispute, stating I had to have a different reason to dispute the same information before they would " investigate '' further. I have suffered severe hits to my credit, as well as unidentified charges to this day that can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NY

Complaint narrative:
FRAUD, INCORRECT REPORTING.

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 2022-04-01 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: NY

Complaint narrative:
FRAUD, INCORRECT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: MN

Complaint narrative:
Albert ( banking services provided by XXXXXXXX XXXX XXXX  ran the below promotion in XX/XX/2022 and still running. See attached screenshot Albert is offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days. 

I was referred by a friend. Opened an account using his referral link on XXXX and satisfied all the requirements for XXXX, XXXX and XXXX. Now Albert is refusing the {$150.00} bonus saying it did not track. 
I followed all the requirements correctly. If it's a problem with you application and system, why should I get penalized. 

Further, I also referred XXXX XXXX who also satisfied the requirements for 3 months. Albert is refusing to grant me the {$150.00} bonus for referring XXXX too. 

Request Albert ( XXXX XXXX  ) issue me the {$300.00} bonus ( {$150.00} for me opening the account and satisfying the requirements, {$150.00} for referring another person who also satisfied the requirements.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Spoke with Mariner Financial to help lower the APR to help lower the monthly payment. In returned to pay off more to the principle but they said their APR is based on how much we request. The lower amount we request the higher the APR but even asking for a higher amount not guaranteed a lower APR. the lowest they provide is 18 %. This is not only wrong but unfair to the concurrent with a fair to great credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A follow up to a Closed Complaint XXXX We requested copies of 4 checks drawn on a closed HELOC Access 3 account # XXXX Name on Account XXXX XXXX XXXX XXXX XX/XX/XXXX Truist did mail us copies of 4 checks, but two were not the checks we requested, and we still need the other 2. The person who signed the letter directed us to our local branch if we need more help. We have already been there twice and they are unable to help us. 
They did not leave a phone number or any way to contact them directly. I'm not willing to spend multiple hours on the phone again over this. 

Cleared date Check # Amount XX/XX/XXXX XXXX {$11000.00} XX/XX/XXXX XXXX {$4100.00}

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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX the sender from XXXX  XXXX XXXX transferred {$2500.00} via Zelle to my bank via my cell phone number ( it was sent to the correct number ) was never received. I was never notified by Zelle of the deposit, it didn't happen, and the sender was never returned the money. I realized that this deposit did not happen in XX/XX/XXXX. I missed that it was never deposited, probably due to at the time that my brother has passed away. I started prepping for taxes this year and finally noticed that it was never received to my bank account and it was never returned and credited to the sender. 

I have contacted my credit union and the sender has contacted her bank and we have spoken to the Zelle reps at the banks. The sender initiated a claim that was denied, and my credit union is still working on it, with no help so far. 

Companies involved : Zelle, XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation