vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 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: IL

Complaint narrative:
On XX/XX/2018, I, XXXX sent a final inquiry to Equifax regarding my rent payment activities. 



Subsequently, Equifax has removed these activities without any prior notification given to me, as required by the FCRAs 623-15 U.S. C. 1681s-2 et.seq. ; 628-15 U.S. C. 1861w et.seq. disposal of records provisions. 



Although Equifax initially reported my rent history for several months prior to any unexplained removal, in which did cause my credit score to rise, their most recent actions of an unlawful removal has further caused an injurious falsehood against me. 

Furthermore, after several attempts to remedy this violation caused by Equifax, Equifax has continuously failed to communicate to me in any form describing their results and or recent actions against me when questioned. 



Such non-compliance by Equifax has caused additional harm and injury by means of blocking me from acquiring certain purchases due to the unlawful removal of my rent payment history and current activities. 



Therefore, I am requesting CFPB to compel Equifax to meet FCRA standards by correcting its egregious behavior and apparent error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: FL

Complaint narrative:
I went to XXXX XXXX in XXXX XXXX XXXX Florida for a XXXX   XXXX, and upon completion they instructed me that a XXXX that they worked on 2 years prior had a problem. I thought about it, and came to the conclusion that I would have another XXXX  look at, especially if there work was failing. The cost to repair the XXXX they had previously worked on was {$5000.00} in which I did not know they had planned to do the work and had set up a line of credit through Commenity Bank and charged my new found account {$440.00} for NO SERVICE PROVIDED. Now I have had this show up on my credit and have disputed with XXXX, Commenity Bank, and 2 of the credit reporting agencies and the credit reporting agencies removed it and 1 month later it resurfaced differently as an active account with late pays instead of a collection. The 2 were XXXX, and XXXX. I would like an investigation into this matter as I am sure I am not the only one dupped by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
I started freedom debt relief in XX/XX/XXXX. I had credit card with XXXX  owing about XXXX, I enrolled in the problem and was told I would have a monthly payment of {$300.00} and once a settlement was made with the bank I would be paying off my debt in no time. I was mislead in many ways, I am a XXXX year old mother of XXXX and was told that once a settlement was made what I was depositing was going to be put towards service fees and my debt to XXXX XXXX. From XX/XX/XXXX to now XXXX I have made numerous phone calls asking where my money is going and why things arent being done and got no progress and assurance anything was happening. I was told somewhere in XXXX a payment was denied so my account went void but got an email in XXXX, 3 months after the fact meaning now my settlement was lost and had to be resettled. I have invested {$3300.00} into this program have {$400.00} in my dedicated account towards my debt and only {$19.00} was paid to XXXX on XX/XX/XXXX. The program charges {$3000.00} for their services but stated they couldnt pay XXXX  and had to drop the settlement because there wasnt enough funds in my account. I have the ledger from the company of all my payments and dont understand how a payment failed when the took out of the same account numerous times causing my account to overdraft with no problem. The staff they have on phones do not answer any questions and constantly transfer you. They all have attitudes and basically at the end I had to cancel the program do to the worry of losing out on even more money with the company being so condescending. They told me I would only be getting back {$130.00} roughly, when Ive invested so much into paying off my debt. I paid {$3000.00} for ultimately nothing. No straight answers, no time frames when I asked for them into how much longer I needed to pay and no exact answers of where my money is going to. Other than {$19.00} out of all of this was paid to XXXX   and they failed to tell XXXX that they wouldnt continue paying them until their fees were paid. Freedom debt relief took advantage of me my family and my financial crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
THIS ACCOUNT IS A RESULT OF IDENTITY THEFT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: GA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is 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 2019-09-30 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: GA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is 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 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I found out that I am being sued by American Express through their counsel, XXXX XXXX XXXX. I contacted XXXX with XXXX XXXX to discuss settlement options on the account in XX/XX/2019. XXXX agreed that American Express would settle my account for {$10000.00} and the remaining balance on the account would be forgiven. At that time, XXXX told me to contact a fourth party, named XXXX. XXXX works for XXXX, a collection agency used by American Express ( as it was explained to me ). XXXX said I had to pay XXXX the settlement amount. Despite misgivings, I have XXXX my debut card number. My bank would not approve such a high purchase and denied the charge request. 

XXXX told me that XXXX would contact me with payment instructions for my account. That was the last I spoke to anyone from American Express. If I call them, and I have called both several times each, they will not answer my calls. 

I believe that XXXX XXXX broke our verbal contract because they will not allow me to make payments on my account, not answered.my phone calls. I also believe they lied to me regarding the terms of my account settlement for less than owed. 

I ended up having to make a payment to try to get the account paid off before a judgement is placed on me of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Bank has failed to be transparent regarding their fees and services since I have opened an account with them less than 30 days ago. On XXXX, I opened a checking and savings account with Discover Bank and initiated a transfer to fund my new account. There was some " system error '' on Discover 's part that listed me and myself as both the primary and joint account holder -- leaving my husband completely out of the account and 2 cards arriving to my house in both my name and my name. It seems reprehensible that a banking institution could make such an egregious mistake using someone's social security number. 

Furthermore, I remained with Discover but with so many issues that I am forced to close my account within the first month. My first transfer took almost 7 business days ( 1.5 weeks ) to process. I called to inquire about this long time frame and was promised this is only the case for the first transfer. However, ALL of my transfers since have been the same processing time or even longer. Even debit transactions take 3-7 days to process with Discover when XXXX and other banks process the same day. 

Moreover, I deposited a check via mobile deposit from my employer. The bank website states that " deposits made before XXXX XXXX  will be available same day ''. I made the mobile deposit at XXXX XXXX on XXXX and was notified that my funds would not be available until XXXX. This is the most insane policy and processing time I have ever experienced with blatant lies stemming from their website. Discover Bank should not be allowed to hold funds for this time period without making it OBVIOUS that this is the case. Nowhere on the website does it state that your funds will be held for over 10 days. 

The bank says that they are " XXXX  FEE '' and the agents on the phone will emphasize this. However, it's not true and again -- lack of transparency! I was charged for ATM withdrawals even though they are " XXXX  FEE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: Social Finance, Inc.
State: DE

Complaint narrative:
As of XX/XX/2019 So Fi Lending has reported that I have an open account and that I owe {$41000.00} and this has been included in my bankruptcy and has not been showing up since my bankruptcy. Now all of sudden it shows up and lowers my credit score after 2 years. When I contacted the company they gave me another company 's name of XXXX and said that they purchased it just to hold on to the account, which doesn't make sense after a discharge. But still SoFi couldn't tell me why this is showing as an open account and that I am behind on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Seems that CITIBanks knows that you are backing them and their fake and forged documents! I am getting phone calls from their collection agencies in XXXX and XXXX four to five times a dayXXXX, XXXX, XXXX, and about 20 other number that they are using>>> These people tell me you pay go to jail if dont '' Or we get you VA and SS checks, or we put your family in jail too. PAY NOW!! 
Seems that they have my SS number, my old bank account numbers ; I change banks after I paid off CITI Bank so that they could not hack into my bank account again! CITIBanks Agents know my My CITI BANK, XXXX XXXX, XXXX credit   card Numbers!!!!!! And CITIBank agents in XXXX and XXXX know that I am a XXXX veteran collecting service connected pay from the VA!!! 
All this information was given to CITIBanks contractors in XXXX and XXXX to try to get me to pay them {$20000.00} that the charged my account in volition of CITIbanks agreement with Administrative Proceeding File No. XXXX! 
CITIBanks agents in XXXX and XXXX both stated that CFPB couldnt do any thing to stop them from getting my VA and SS benefits for CITIBank they are out of country!!!!

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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from AWA COLLECTIONS requesting payment for an account they have no right to collect on. I sent a certified letter on XX/XX/XXXX asking for validation of the debt ( pursuant to Fair Debt Collection Practices Act, 15 USC 1692g section 809 ( b ) ), they did not provide the validation information. On XX/XX/XXXX they reported the same account to XXXX  as delinquent. They need to remove from my credit report as they did not provide me with a sign agreement that shows I agreed to pay this debt to them back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My house flooded in XXXX of XXXX. My house has been completely repaired as of XX/XX/XXXX. The mortgage company still has {$370.00} left but the Loss Draft Department will not release the balance to me because they arbitrarily are stating the repair is 90 % complete. {$370.00} on a $ 35,000+ estimate. That amount is a fraction of my mortgage payment. Managers will not call me back and they keep making me miss work to have inspection companies come out who keep giving different opinions on how much work is done, when my home is actually better off than it was before since everything was completed/upgraded. I just want my {$370.00} as I paid for every repair out of pocket and had to fight with them every single step of the way for any reimbursement. It doesn't make sense as to why they are holding this money when my repairs are complete and have been that way for over 8 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
We received this credit card when we went to purchase our car in XXXX of XXXX. It is through Comenity Capital Bank and XXXX XXXX XXXX. It was a promotional deal for a downpayment. 

On XX/XX/XXXX I set up our payment method as our bank account and set the automatic payment date to be the date of the first payment due, XX/XX/XXXX. 

On XX/XX/XXXX I realized I was never charged. I went to my email to check to see if I received a notification of an error. There was nothing. 

I logged onto the account and saw no notifications of any kind. So I went in to the bank account information to double check everything was correct. It was. So I set up a new payment to go through on XX/XX/XXXX. 

That payment went through. When I logged in again to view the first statement I saw a {$28.00} fee for " Returned Payment ''. I was confused and reached out to support to ask why I was charged this fee. They informed me that I had cancelled a payment which incurred a fee. I explained to them that I never cancelled a payment and that I contacted my bank to see if they had returned a charge and they informed me that they saw no charge on my account except for the charge on XX/XX/XXXX. 

So I responded and told them it must have been an error with their system. Their response was to tell me my account was suspended since a payment was " returned ''. So a different response and still no refund of the fee. 

I responded to tell them I was confused as to how they were handling the situation and why, if a payment was returned or cancelled, I had not gotten any notification via email or phone. I have not received a response but I am very angry because I feel as though they are charging fees for nothing and that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
this account is not accurate, it is part of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I purchased tickets from a seller on XXXX using Zelle ~ I paid them {$150.00} for 2 tickets Saturday XX/XX/2019 ~ I never received the tickets. My calls were blocked. I never heard from the Seller again. I contacted my bank, XXXX XXXX XXXX XXXX and they said they could not help me. I called Zelle and they also said that they could not help me. 
Please help me. There has got to be someone out there who can help me. 

Thank you ~ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: UT

Complaint narrative:
An overlimit status was reported by XXXX XXXX XXXX XXXX on my Visa. This overlimit was due to an erroneous charge by XXXX on a Friday, which was reversed the following Tuesday morning ( due to the XXXX XXXX Holiday weekend ). When I saw this reporting on my Experian credit monitoring service I called reached out to XXXX and then XXXX XXXX and explained what happened. I was told by XXXX XXXX customer service that " she '' had noted the circumstances on my account and instructed me to open a dispute with Experian to which XXXX XXXX would correct the inaccurate reporting. I just received a dispute resolution from Experian stating XXXX XXXX did not change the reporting and the negative reporting would remain on my credit 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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro Collect has sent documents that dont match up. The move in date on the " alleged debt sheet '' is not the same date that is listed on the lease. Both papers were sent from pro Collect when they were " verifying '' debt. The documents aren't correct and this isn't a valid 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 2019-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
This loan actually was first returned because they sent it through our bank before due. 
We acknowledged this and it was sent back through and paid on XX/XX/XXXX. Now our bank notified us that cash central tried to make up a fraudulent check and send it through in XX/XX/XXXX and the bank did s fraud investigation and proved they did act fraudulently regarding this matter. Now we have a XXXX XXXX XXXX trying to collect yet they have no paperwork nothing yet I have proof of being paid via my bank statement yet they want letter from company that it was paid yet this was 6 years ago yet they threaten us with legal proceedings and tell us nasty things

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I am a XXXX XXXX in the state of Georgia and I completed an XXXX  for Better mortgage and was not paid for my service.

Company response to consumer: Closed with explanation