vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought a watch on XXXX, that was like new. The watch arrived damaged, likely from being poorly packaged in transmit. I tried to return it XXXX XXXX has a money back guarantee but they refused, and said they will only give a partial and I have to get it serviced ( but service takes months and is in XXXX ). XXXX told me in writing they would give a partial refund ( eventually oscillating and offering a full ) but never did. I contacted Wells Fargo bc I used my debit card, and they offered a provisional credit, but now they are saying my evidence wasnt legible ( even tho they were screenshots and the agent on phone I spoke with said they were ). Wells Fargo also wont tell me what info they need or want, and Ive been proactive in contacting them but they arent responding or helping me, and were actually really rude and dismissive on our last call, which prompted me to contact CFPB. This was a XXXX $ USD watch, and was bought on XX/XX/23. I opened an XXXX case immediately and when they refused the return ( and said the choice was irreversible ), I opened a wells case immediately. But wells isnt helping and keeps saying they cant help and I need to go back to XXXX, but XXXX closed it and I cant call and have to go thru email and nothing gets done ( I filed the complaint w them around thanksgiving ). I am so frustrated with wells and feel like theyre stealing my money and Im getting stuck w a broken used watch which wasnt what I purchased or paid for.

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 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This company, Portfolio Recovery, is attempting to collect a debt, However, they appear to be doing so from spoofed numbers, which seems to be not just a violation of the Fair Debt Collections Practices Act, but also an FTC violation since they are not calling from their own phone numbers. Sometimes they use numbers from around the country, but they also use a area-code/prefix spoof to try to get me to answer calls from local numbers ( I'm in area code XXXX ). I do have a list of various numbers, and that list will be made below. 

These are the numbers I get contacted from : ( Non-local ) XXXX XXXX XXXX XXXX ( local- area code/prefix spoofing at the bottom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is just some of the numbers Portfolio Recovery has used to try to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: FL

Complaint narrative:
On XX/XX/XXXX I sent in a dispute to TransUnion about the following accounts listed below with a follow up on XX/XX/XXXX for no response, on XX/XX/XXXX they responded with just a summary of their method of verification but no information on the investigating items. 

XXXX  XXXX  XXXX  {$430.00} This account is questionable. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion there is no date of last payment with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. 

XXXX This account is inaccurate showing a High balance of {$460.00} on TransUnion but on XXXX  shows {$420.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. 

XXXX {$11000.00} This account is inaccurate showing a High balance of {$12000.00} on TransUnion but on XXXX  shows {$11000.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can the last payment be after the date of last activity. This date should reflect the FCRA compliance date which should not be changed. 

XXXX  {$1600.00} This account is inaccurate showing a High balance of {$1500.00} on TransUnion but on XXXX  shows {$1600.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can this information be different if they come from the same creditor? This date should reflect the FCRA compliance date which should not be changed.

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 2021-01-21 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: GA

Complaint narrative:
I have sent numerous requests to this agency asking for their method of verification for bankruptcies on my credit file. The company continues to respond that they are investigating my dispute. This is not a dispute! Im asking for the method used in verifying the information and the name of the furnisher of the information that they are reporting. They have previously stated that the information was provided by the bankruptcy court or XXXX XXXX. I have yet to get a direct answer from this bureau as to how they are verifying the information. I have documentation from the bankruptcy court that they do not supply bankruptcy information to the credit bureaus. Therefore, to say that they verified any information with the bankruptcy court is not true. I also followed up with XXXX XXXX and the information they have is also not matching up with the credit bureau report. I have attached these documents for the credit bureau to review each time. Yet they continue to state they are investigating my dispute. This is NOT a dispute and should not be treated as one. I want the direct method they are using for verification and the name of the direct furnisher of the information because its not the bankruptcy court or 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 2021-01-21 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: TX

Complaint narrative:
I have made many many complaints to CFPB on XXXX for fraud and identity theft in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.

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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have been a customer at Citizens Bank for more than 4 years. 
Over the past two years, my accounts have been frozen without any notice or explanation and I believe this has been targeted towards me based on my nationality. 
The branch manager where I opened the account personally supervised the last hold on my account ( XX/XX/2019 ) and was asking for documents to prove my legal status in the United States. They held my college tuition and caused me great distress. I asked about the nature of the investigation three times, and every time I was ignored. This year around the same time, there was another hold put on my account, and my credit card payments which are auto-pays were returned by the bank. I still do not have access to my account and I can not transfer any funds. I have been in touch with every representative from customer support to the office of the chairman at this financial group for two months and there has been no action regarding the matter. I was given this number ( XXXX XXXX XXXX ) to resolve the issue. After speaking to XXXX, and being promised full access to my accounts and a call back regarding the reason for the holds two months ago, I still can not access my accounts or even withdraw the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CT

Complaint narrative:
Hello, I have a mortgage with Amerihome. They are charging me {$20000.00} and refuse to do a loan modification. as many Americans during the COVID-19 pandemic, I was given a forbearance. I was then given and approved a partial claim - they did not send me paper work until late and then denied my claim because they said I didnt return documents on time. I returned them after I received them. Then then reversed the denial after a multitude of calls and emails and faxes from me. Now, its been 5 months and I have called and faxed and emailed and always get different information. I frequent to speak to a supervisor and they always escalate my call and promise Ill get a call back and NEVER call me back. Ive been dealing with this since XXXX and they are charging me late fees and negative credit reporting, however, no one is working on my loan modification as Im entitled to by the government. I desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care credit is reporting a 30 day late on XX/XX/20 and I was never late! When I opened up this line of credit I had set it up with an auto draft payment so it was taken every month on time. I had never had a problem with it and I have never been late. On XXXX the payment was not taken as normal and I was never notified that my payment didn't go through. The only reason I noticed was because I took a look at my credit. I called immediately to resolve this and they told me I had somehow been kicked out of my auto draft? I never set this up and this is not my fault. They assured me that they would waive the fees and remove the late from my credit file. I thought this was done until I looked at my credit again and noticed this late is still reporting! This is erroneous and I was never late. This was their mistake and it needs to be fixed immediately.

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 2021-01-21 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: TX

Complaint narrative:
I have made many many complaints to CFPB on XXXX XXXX for fraud and identity theft in XXXX. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled.

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 2021-01-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX XXXX XXXX is trying to collect {$4800.00} for an account they seek for XXXX XXXX XXXX. I have already disputed this claim back in XXXX with all credit agencies. This is not my account. I did not live at XXXX XXXX. They continue to illegally place this account as a new, open collections account. I hired XXXX XXXX in XXXX Texas in XXXX and the lawyer told me that this was illegal. It is now XXXX and these collection agencies keep changing names and the account keeps showing up on all credit agencies. I do not know what else to do, as this has already caused me much financial hardship. XXXX XXXX XXXX XXXX has tried calling me, however I expressed that I would file my dispute in writing.

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 2021-01-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX XXXX XXXX is trying to collect {$4800.00} for an account they seek for XXXX XXXX XXXX. I have already disputed this claim back in XXXX with all credit agencies. This is not my account. I did not live at XXXX XXXX. They continue to illegally place this account as a new, open collections account. I hired XXXX XXXX in XXXX Texas in XXXX and the lawyer told me that this was illegal. It is now XXXX and these collection agencies keep changing names and the account keeps showing up on all credit agencies. I do not know what else to do, as this has already caused me much financial hardship. XXXX XXXX XXXX XXXX has tried calling me, however I expressed that I would file my dispute in writing.

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 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The past few months I have had to replace my credit card because of fraud. Two of the charges, one on XX/XX/XXXX and one on XX/XX/XXXX at XXXX for {$140.00} and $ XXXXwere disputed as I did not make this purchase, I did not receive whatever it was that was purchased and I have never purchased anything from them. I opened a claim but now BofA has closed the case and put the charges back on my card. Bank of America is claiming that the merchant provided documentation confirming that I received the merchandise. I called BofA on XX/XX/XXXX requesting the documentation but they did not have any, I have the right to see this supposed documentation. I want to see my signature, the address the merchandise was delivered to, and who signed for it because it was not me.

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 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I began to refinance my home with Amerisave.com, an online mortgage company. This lender provided an appraisal of my property within 1 week, after which the customer service dropped off dramatically. I have provided them with every document they have requested within 48 hours of their request. It is now XX/XX/XXXX. Although I have asked multiple times for an estimated closing date, the lender has refused to provide one. They have refused to lock my rate, which has changed considerably since I began my application 4 months ago. They have refused to re-appraise the value of my property which has changed considerably due to the erratic nature of the real estate market nationwide. I can not get them to return my calls. There does not appear to be an end to this process.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: WA

Complaint narrative:
I have filed at least three disputes with Rent Debt Automated Collection XXXX, XXXX, XXXX  and XXXX  with regard to an erroneous, fraudulent item being reported by Rent Debt to my credit file. In each of the disputes I have stated that I did not sign any purported lease at anytime and I did not or do not owe any debt to Rent Debt. Although I requested verification of the debt and disputed the debt back in XXXX, XXXX XXXX failed to provide verification or validation of the alleged debt. I have filed and requested disputes under Section 609, 611 FCRA and The FDCPA and never received any sort of documents or opportunity to. Dispute the debt or proof that I owe the debt. Recently, Rent Debt sent me a document consisting of only one page, not executed and bearing a fake signature claiming to be mine. 

I am enclosing my fourth notice of dispute, my executed affidavit and demand that this erroneous item be immediately removed from my credit file based upon the violations of Rent Debt, XXXX, XXXX  and XXXX  to comply with The Fair Credit Reporting Act Sections 609, 611 and The FDCPA. Please find the attachments to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This unknown account shouldn't even be appearing in my file, from what I know. I don't know where you got the following account as I do not recognize it absolutely. Its my second letter and I hope it will not be ignored again, please delete this item because I am identity theft victim for sure. How that possible you just start reporting unknown account in my profile? Come on remove it forever!

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 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights 806. Harassment or XXXX  807. False or misleading representations 808. Unfair practices 809. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well

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