vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I tested positive for XXXX the end of XXXX and havent been able to work since. XXXX flared up severe joint pain to the point where I have trouble walking around at times. I contacted indigo regarding my credit card payments and I was having a hard time paying my bill, and they have not once worked with me. I just tried to call them again today and still they have no options for me. I am still unable to work at this time, and I have no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I entered into a payment deferment arrangement in response to the COVID-19 pandemic with Wells Fargo in XX/XX/2020. Wells Fargo sent a letter to me in XX/XX/2020 to reaffirm and clarify the terms and status of my payment deferment. During the past few weeks, however, Wells Fargo has verbally contradicted the information provided to me in the XX/XX/2020 letter regarding the terms of my deferment. XXXX XXXX most recent communications have not only contradicted the XX/XX/2020 letter. Wells Fargo has contradicted the content of multiple conversations I have held with several Wells Fargo representatives by phone over the course of the past 17 months. In an effort to resolve this dispute, I have requested in writing that Wells Fargo provide me with notes and audio recordings that Wells Fargo representatives have been required to take of my phone conversations with Wells Fargo during that time frame. Wells Fargo refused to do so by asserting that my request is overly broad and burdensome. Wells has not acted in good faith by not offering me any portion or any time period with respect to the notes and recordings I have requested. 

Wells Fargo has informed me on at least three occasions that they would further research this matter and provide me with a written response as to their findings regarding my dispute. However, Wells Fargo has not yet provided any findings to date and has failed to respond within any of their represented time frames to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I had an inquiry with a hard hit while I had a credit freeze. A supervisor at transunuon said they allow some companies to do this. I wanted to file fraud on it and was told I could not.

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 2021-08-23 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: AR

Complaint narrative:
I'm member of Experian who file disputes of potentially negative items still remaining on my credit report. That should have been remove several months ago. 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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX NAVY FCU XXXX  XXXX XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from NAVY FCU for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX comety XXXX XXXX and XXXX XXXX  XXXX XXXX/XXXX XXXX after making a settlement with them, both items supposed to be removed from credit report and its currently showing on my credit. 

Credit were settle and paid and promised to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
YAMAHA MOTOR FINANCE IS SAYING I AM DELIQUENT OR IN ARREARS ON MY ACCOUNT WITH REGARD TO INTEREST. MY LOAN IS CURRENT, I HAVE PAID ON TIME AND HAVE MADE SEVERAL PRINCIPLE PAYMENTS IN ADDITION TO MY NORMAL SCHEDULED PAYMENTS. HOW CAN I BE ARREARS IN INTEREST ON THIS LOAN? THE LAST 4 PAYMENTS I HAVE MADE HAVE ALL GONE TO INTEREST ONLY AND NOT PRINCIPLE AND INTEREST. WHAT KIND OF ACCOUINTING SYSTEM ARE THEY USING HERE? HOW CAN YOU HAVE A LOAN CURRENT AND BE DELIQUENT OR ARREARS IN INTEREST? THEY ARE NOT APPLYING MY PAYMENTS CORRECTLY. CAN SOMEONE PLEASE TELL ME WHEN THIS ACCOUNT BECAME DELIQUENT OR ARREARS IN INTEREST? WHEN DID THIS OCCUR? NO ONE AT THE CUSTOMER SERVICE LEVEL SEEMS TO HAVE AN ANSWER. CAN SOMEONE FROM UPPER MANAGEMENT PLEASE CONTACT ME REGARDING THIS ISSUE. I NEED A SR VP OF THE DEPARTMENT TO LOOK AT MY LOAN AND CALL ME BACK. SOMETHING IS NOT RIGHT HERE. LOAN NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TX

Complaint narrative:
Unauthorized and inaccurate accounts reported from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TX

Complaint narrative:
I am a victim of Identity Theft. The following accounts were fraudulently used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
We have tried calling US bank, meeting with a bank employee, paying a separate company to help us get some of the overdraft fees back, and nothing has worked. We have switched from overdraft protection to not wanting the protection, but do not understand why we keep getting charged. They dont explain anything in a way we can understand. We are a family of XXXX and have been hit with over {$3000.00} in fees within the past year or so and it has really put us in a bind. Its like we will never be able to recover from this.

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 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Thursday I received a letter from BofA saying an attorney has filed a subpoena with BofA for records. This has to do with probate which my wife 's daughter caused to happen. I phoned BofA Thursday and Friday, XXXX and XXXX XXXX, and was put on Eternal Hold and never spoke to anyone. I tried to make an appointment online but every date I checked they said that date is not available, or they are having technical difficulties. How very convenient. I need to speak to a human being at BofA if such exists. I want a copy of that subpoena and I want to close all accounts. BofA is worse than useless, I should have closed all accounts long ago. I have no idea how BofA stays in business. Customer service is nonexistent.

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 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd
State: IL

Complaint narrative:
Last week, I notified Nationwide Recovery Systems to stop contacting me by phone. Today, XX/XX/2021, they called twice in the span of two hours trying to collect a non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I was originally contacted by a gentleman in XXXX claiming I owed a payday loan that was opened in XXXX. I explained to the person who went by the name " XXXX '' I have never had a payday loan and this had to be fraud. He stated he was going to take me to court and have me arrested I ended the conversation and researched the company he claimed to be from. What I discovered was other victims reporting that this man and his company were a scam company making up payday loan debts to get people to pay. On XXXX I received a alert from XXXX  that I had a collection from a company named DRS ( Debt Recovery Solutions ) with the phone number XXXX I called the number several times with no success, the number went straight to voicemail with the same gettleman I spoke to years ago, but this time he is going by a different name " XXXX XXXX '', not " XXXX ''. I disputed the account as fraud, and the account was removed immediately from my report. On XXXX I received a notification my report was flagged again for a collection with XXXX, from the same company DRS but with a different phone number. I called XXXX  and disputed this account as fraud, and I made a police report, and pressed charges. I also called the company, and gave them the police report number, and name of the officer, and I let them know I was pressing charges, and that the account they have is fraudulent. The account is not even in my name, the account is using my first name, with a different last name, and my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: PA

Complaint narrative:
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

Lexisnexis Is violating my rights I submitted a dispute XX/XX/2021 the return receipt states they received it on XX/XX/2021, today XX/XX/2021 they still have not started the dispute which is a violation of the FCRA & FDCPA Then on XX/XX/2021 lexisNexis sent a letter with a form requesting me to do their investigation for them which is not my job in which is not required by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo Card Services was paid in full in 2017, regarding and alleged account ending in XXXX, they are harassing me by continuing to report a damaging account on my consumer report and it has caused me damages and denials of credit, they are in violation of 15 USC 1692d harassment or abuse. In accordance with 15 USC 1692a the term creditor is a natural person and thats the law. I am enforcing my rights according to 15 USC 1640 civil liability for the amount of {$2000.00} from Wells Fargo Card Services for damages

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 2021-08-23 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: TX

Complaint narrative:
Unauthorized and inaccurate accounts reported from 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 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover XXXX XXXX has called my partner now my father over a dozen times over my account. I have spoken to them about this issue but to call someone over a dozen times ; XX/XX/2021, about another persons account is harassment. I have told them that I only have one phone number and confirmed that I can only be reached at that phone number. For Discover XXXX XXXX to call someone who is not the account holder over a dozen times in one day is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I received a letter in the mail dated XX/XX/21 from a collection agency, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ with the following information : CREDITOR : M & T BANK FEES : {$50.00} TOTAL BALANCE : XXXX CHARGE OFF DATE : XX/XX/2021 it stated the above referenced creditor has placed your account with our office for collection, blah, blah blah. I am appalled, M & T Bank has been my bank for years and I had my mortgage, checking, line of credit, visa card, etc. with them and never late, never missed a payment, paid early, everything right and they send a collections letter for {$51.00}!!!! 

I contacted the branch office in XXXX, NJ around XXXX Monday morning and got a representative named XXXX that said she would research this and get back to me, and she did at XXXX. XXXX asked if I wrote in to cancel the account, I told her that I did not recall writing in to cancel when I paid off my mortgage and paid off my line of credit, my Visa card is still open with a XXXX card balance. XXXX then said there was nothing she could do for me because the bank did nothing wrong, the charge was a service charge because the checking account was attached to the line of credit and needed to maintain a certain balance to be service fee free, of which I was not made aware of at the time, I even forgot about and if I was told this was all during COVID time and told her I would have asked to close all accounts. XXXX said I would have been told that the checking I would need to come in or write in and have the letter notarized although the other accounts were closed on-line, not their fault so a service charge was added and I needed to pay it. 

XXXX said she would " Bubble it up! '' and pass it along, not sure what that meant but I told her I would pass this complaint on myself and she said. " okay, that's fine '', I said even after I've been an exemplary customer, spent thousands of dollars with M & T, never late and this would mess with my credit you just wan to say, you will " Bubble it up! '' What does this mean? I said I will just complain to the CFPB, she did not care and we hung up. t 's sad when a bank doesn't care about a thousands of dollars customer and will send them to collections for {$50.00} and mess with their credit even during COVID times. What have we come to and it's fees for something that I don't even own or did not make for myself, they added the fee!

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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX # SS XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX  TransUnion XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX-XXXX  and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from TransUnion and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

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