vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened this account with Wells Fargo shortly after I moved to DC in XXXX to make it easier to withdraw cash because my XXXX XXXX XXXX XXXX card was not accepted at many ATMs in this area. The account I set up had no fees. Later that changed and so I attempted to close the account but was told that they would return the fees and stop charging. This happened a 2nd time but again they returned the fees and said that they would stop charging. Ive been very sick for the past couple of years suffering from XXXX XXXX and unable to manage my personal business the way I did in the past. But I learned that XXXX is once again charging fees! So I called but, unlike previous times, they did not offer to return the fees or stop them. I told the representative that I planned to file a complaint because I believe that this is deceptive and fraudulent and just plain wrong! Note : in reviewing my statements it appears that the monthly fees began being charged again back in XX/XX/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 monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had made a payment on XX/XX/2022 and cancelled the payment that was due for XX/XX//2022. I received a confirmation email from the company. I woke up on XXXX to discover that both the payment I made on XXXX as well as the cancelled payment for XXXX were also taken that day. I called multiple times on XXXX, finally speaking with a gentleman who said that they would have it processed and returned by the end of business on the second. Now it is XXXX and they refuse to refund the money, stating that I will receive a call back within 3 business days to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
They say they are from Nationwide Recovery Services. They are always of XXXX or XXXX  descent, they say I have debt but I check my credit regularly and have XXXX accounts in debt and excellent credit so they can only be a fraudulent company/team. They are very rude when I insisted I have no debt, then he told me he was " coming for you sooooon, very very sooooon '' which I take as a threat and blocked the number. They have called XXXX in the last XXXX weeks. They are calling from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a call and a voice mail from XXXX ( Northstar Location Services , LLC ) stating that I owe money. But I don't owe anyone money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Hello the CFPB, XXXX and XXXX are reporting inaccurate information on my credit report. According to the FCRA everything they're reporting needs to be 100 % accurate. The Bank of America account XXXX and XXXX are reporting was obtained fraudulently I never used this card or received this card in the mail. 


I want this account removed from my credit report permanately.

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 2022-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
Bridgecrest called me on a recorded phone call telling me that they have SOLD my information to XXXXXXXX XXXX XXXX She stated that 2017 XXXX XXXX has been sold. I did not give Bridgecrest permission to sell my information. The XXXX went out on me on a bridge and they knew. I was told by the lady at bridgecrest if i wanted my information I would have to buy it back from XXXX XXXX which I found rude as well as her attitude. All Im asking is that they settle this mess with XXXX XXXX. I just this collection gone off my credit not in a negative way

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 2022-03-03 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: MS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian decreased my credit score due to XXXX XXXX decreasing my credit card limit of which i am an authorized user on. There was no non-payment, late payments, extra high limits or any derogatory information. They decreased the limit due to non-usage of the card. I find this RIDICULOUS when people work to pay off cards or stop using them to stay out of debt. I wonder how many other people have their credit score affected by such an outrageous action, or how many people know about such. THIS SHOULD BE INDICATED ON MY ACCOUNT TO SHOW THAT THE DECREASE WAS IN No WAY CAUSED BY NEGATIVE ACTIONS BY THE CONSUMER.

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 2022-03-03 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: CA

Complaint narrative:
On XX/XX/2022 I was notified by email my credit card had been used to purchase an airline ticket through XXXX on Alaska airlines.one charge was for {$14.00} and the other was for {$310.00} I was in XXXX at the time and immediately contacted my credit card company to concerning fraud and dispute the charge and immediately canceled my credit card. I received a letter from the credit card provider on XX/XX/XXXX that they denied my claim saying it was consistent with my previous charges, which it wasn't because I never book flights through priceline.I wasn't able to contact them till I returned from XXXX XXXX XXXX.I contacted them three more times to reopen the dispute. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was never told they had still denied the claim till the XX/XX/XXXX call. They said someone would call me back which never happened. I contacted Alaska airlines revenue protection and they said the charge should have been reversed but they couldn't give me anymore information on the person who took the flight. My statement shows some information on the flight and person. I filed a report with the local police department. I haven't received it yet but have a letter from them for record request.

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 2022-03-03 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00} Account Name : MIDLAND CREDIT MANAGEM Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3100.00} Account Name : MIDLAND CREDIT MANAGEM Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: Nathan & Nathan, P.C.
State: MS

Complaint narrative:
I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call XXXX bank but they would not help me. I have payed this account off and I want it removed from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MS

Complaint narrative:
I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call XXXX XXXX but they would not help me. I have payed this account off and I want it removed 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 non-monetary relief
Consumer complaint received 2022-03-03 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: Conn's, Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONN APPLIANCES INC - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC
State: IN

Complaint narrative:
A collection account on my credit report shows an opened date of XX/XX/2021. This is inaccurate as the debt is from XXXX. Debt Recovery Solutions , LLC is fraudulently and illegally falsifying the open date of the account in order to make it appear as a new collection. This is not the first time they have pulled this scam. Approximately every 6 months they will remove the account and reopen it with a new date in order to have the maximum impact on my credit score. This is illegal account re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Some friends sent me money to my Venmo account to buy some plane tickets and I would be in charge of buying them all together for personal reasons I couldn't travel and the airline refunded me the money in full the tickets were first class tickets with a value of XXXX usd each, so when the money was returned to me by the airline, the amount was approximately XXXX usd days later Venmo freezes my account and asks me for proof of identification and after that they send me an email saying that my account had been closed permanently I think that if they close my account for some reason that I don't understand because they don't want to explain to me what the reason was, they should let me withdraw my funds to my bank account because it's a lot of money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: FL

Complaint narrative:
Yesterday I discovered multiple transactions on my XXXX XXXX XXXX XXXX account which has been paid off since XX/XX/2021 with XXXX  XXXX now XXXX. I have spent over 8.5 hours on hold, in the branch, been transferred several times, disconnected and lost a full day of work and I am the only one employed right now in my family. All the transactions done are as follows : XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX  {$10000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$10000.00} Total {$60000.00} Then on XX/XX/XXXX an advance via the web at XXXX to XXXX ending XXXX for {$96000.00}. Now the total outstanding amount is {$150000.00} all of which is fraud. None of these transactions were done by me or my husband and none alerts or anything transpired. 

I have visited my local branch and I have been working with XXXX XXXX XXXX XXXX and the branch XXXX XXXX. There has been an escalation but still nobody has been able to help. I am in the middle of a commercial refinance on a building I own in New York and this has a major impact on my credit. I need help in resolving this matter. 

I can be reached at XXXX Regards, 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 2022-03-03 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: NY

Complaint narrative:
THIS CITICARD CBNA ACCOUNT DO NOT BELONG TO ME PLEASE INVESTIGATE AND REMOVE THIS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO EXPERIAN NUMEROUS TIMES TO REMOVE THIS ACCOUNT. PLEASE INVESTIGATE THESE MATTERS AND REMOVE / DELETE THE DISPUTED ITEMS AS SOON AS POSSIBLE THANK YOU. ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT. BELOW IS A LISRT OF LAWS THAT HAVE BEEN VIOLATED. 15 USC 1681 C 2 15 USC 1681 B ( A ) ( 2 ) 15 USC 1681 A ( K ) ( III ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1692 D ( 1 )

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 2022-03-03 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: NC

Complaint narrative:
On XX/XX/2022 I sent a dispute letter to Experian regarding a derogatory account being reported on my credit Listed as XXXX XXXX XXXX. The issue being that I sent a dispute directly to XXXX XXXX XXXX and the XXXX Postal service returned the mail as undeliverable. With the mail not being deliverable, I sent a request to Experian to delete the account due to them violating the FCRA. I can not investigate the alleged debt if I have no way of getting in contact with the debtor. 

As a result of my dispute, Experian responded with a letter dated XX/XX/2022 that I received on XX/XX/2022 stating that the account that I disputed is not listed on my credit report. They then proceed to say that the account was updated. However, the account in question is now showing on my credit report as XXXX XXXX XXXX with the exact mailing address as XXXX XXXX XXXX. It is clear to me that the name of the company was changed between the time it took me to send them a dispute letter, and the time it took Experian to respond. 

They are in blatant violation of the FCRA by reporting a fraudulent account that can not be verified or disputed based on the returned mail I sent to XXXX XXXX XXXX which is now showing as XXXX XXXX XXXX. 

I am attaching a copy of my XXXX XXXX report dated XX/XX/2022 that clearly shows the account listed on my Experian report as XXXX XXXX XXXX, a copy of XXXX XXXX XXXX XXXX XXXX profile listing an undeliverable address. As well as a copy of my dispute results from Experian showing that the name has clearly been 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