vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
The account with PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX  ) with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX XXXX  XXXX, I would like to request for complete payment on this. Also, the balance says that I have XXXX balance. I'm not sure if the XXXX Bureaus have conducted a thorough investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: DE

Complaint narrative:
As a consumer and the natural and original creditor i have been violated by this company based on XXXX XXXX XXXX XXXX XXXX ( XXXX ) that i have to give written consent to report anything on my consumer report and i have no idea of this collection nor have i signed anything giving them permission to furnish a copy of my report or report negative accounts which is currently damaging my consumer report. I am demanding this account be deleted and removed from all consumer reporting agencies. Also i am attaching a validation of debt letter that i am demanding a copy of the ( original signed document ) attaching to to the alleged debt. Further legal litigation will be taken if these terms are not met!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX  XXXX {$0.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$1200.00} XXXX  XXXX  XXXX XXXX {$850.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Debt was disputed, the debt collector refused to respond or cooperate with dispute. 
Debt amount is incorrect and old, yet is still on the credit report stating false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. I am being fraudulently harassed by Bank of America, and this has been going on for MONTHS now. Bank of America is claiming that I owed an alleged " debt '' that I did not & do not owe ( its a fraudulent account ), so I went ahead and sent them a Cease & Desist, Affidavit of Truth, FTC Identity Theft Report, and all supporting exhibits to prove all claims- on XX/XX/2021. I have the certified mail tracking number proving they received my cease & desist on XX/XX/2021 ( XXXX ). They ended up CLOSING the original account and opening a duplicate account ( fraudulently, without my permission ) in response to everything I sent them proven documentation of. The BoA account ending in XXXX was deleted from my credit report, and then a NEW BoA account ending in XXXX was placed onto my credit report, without my permission. This account has NOTHING to do with me- and is a 100 % fraudulent banking practice. Since that time, I have continued to be sent " bills '' that I do not owe on this new account, reminders of " payment '' that I do not owe, and voicemails in which they're harassing me, trying to get me to pay this fraudulent debt. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they received my Cease & Desist order, in which I clearly told them to never contact me again, and that I will not be paying this fraudulent debt- they continue to harass me and cause me mental and emotional anguish. I am demanding that Bank of America cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. They have caused me immense mental, spiritual, emotional and physical distress and anguish. If they do not comply with this final warning, I will be filing suit in Federal District 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
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a idenity theft report to experian to remove credit one and aspire/tobm accounts experian only removed the inquiry but not the whole accounts im dusputing the whole account experian is not reachable by phone this whole process took longer than 30 days also transunion has also have my police report and falied to remove accounts

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 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied for ( online ) and was granted a credit card from Wells Fargo for the purpose of transferring XXXX credit cards for a 0 % interest rate for XXXX  months. The transfer fees were 3 %. I was given a {$13000.00} credit limit. I put in online the card numbers and amounts. I owed XXXX {$1100.00}. I must have mistakenly entered {$11000.00} and XXXX returned the payment without posting the transfer because the payment was more than I owed. I then deposited the {$11000.00} check into my bank account. It was held by my bank for one day. I paid Wells Fargo on XX/XX/2022. It posted that day, but since that time, my available credit is only {$17.00}! I've called several times to find out when my credit limit would be adjusted so that I can transfer the remaining accounts. Today, I was advised the credit limit would be updated in 20 days! The payment cleared my bank in three days. The worst part of this is that I was charged a 3 % fee on the rejected transfer balance for {$330.00} and they refuse to reverse it!! I went around and around with the agent. He insists that the fee stands because the transfer was made. I insist that it's a matter of semantics. Yes, Wells Fargo sent the payment. But the transfer of the balance on the account that I wished to charge to my Wells Fargo card was never made. I need to have that fee removed. Please help 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 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
There are two issues : - I purchased a new XXXX 's XXXX membership on my Amex card ending in XXXX on XX/XX/XXXX in the amount of {$45.00}. As part of Amex offers, there is a promotion going on which is valid until XX/XX/2022 which gives the card holders {$25.00} statement credit. I have reached out to American Express on numerous occasions and I have been told that they are currently researching it but no one has given me a satisfactory answer. I still haven't received the {$25.00} credit yet. 

-I converted my credit card ending in XXXX to the XXXX XXXX XXXX XXXX XXXX ' in XX/XX/2022. Based on the email offer I received, I would receive a {$150.00} statement credit if I spend {$1000.00} within the first three months. I have already spend {$1000.00} but still haven't received the statement credit yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax needs to fix the issues about the inaccurate information for the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm this account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry I am disputing : XXXX XXXX SVC Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent Experian an FTC Identity Theft Report ( Exhibit A ) and a letter ( Exhibit B ) stating that they have used my personal and private information to publicly report inaccurate information. Identity theft is defined in 12 CFR 1022.3 ( h ). I am entitled to privacy concerning my personal information. I requested that certain information be deleted as of a result of the identity theft. Experian stated they " completed '' an investigation into my claim of ID theft and the claims were unverified and the companies that I demanded to be deleted requested further information. Pursuant to 12 CFR 1022.3 ( XXXX ) ( XXXX ) the FTC report is valid and sufficient evidence that I am an Identity theft victim and any request for additional information is not reasonable in this case. I demand that this information be deleted immediately upon receipt of this letter.

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 2022-02-21 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:
I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries XXXX with XXXX, XXXX with Experian, and XXXX with XXXX as of now. I am currently just starting to understand my credit and really hate this happened to 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 non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX and I am writing to you to submit a complaint against XXXX XXXX XXXX XXXX. 

On 2021, I took a loan of {$4200.00} from Comenity/ XXXX XXXX XXXX XXXX  which I had been paying every month. I have paid over {$1500.00} so far but my balance never goes down. My balance is still {$3700.00} (! ) After a year of monthly payments. I usually call them the month before my payment is due, on the XXXX of every month, to schedule the payment through my debit card to avoid being late. But they purposely wait until the XXXX of every month to collect the timely scheduled payment so to also collect late charges. I believe this is is an illegal practice that is very unfair to the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21 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:
- In the XXXX week of XX/XX/XXXX I replaced my debit card with my Wells Fargo Bank. Card I did not receive. 
- XXXX weeks later, I received a text, It was a notice from my bank that I had declined a transaction because I did not have sufficient funds beyond the required minimum. On XX/XX/XXXX I realized that my entire savings of almost {$8000.00} had been stolen. They just printed out the statement and told me to file a fraud report over the phone. 
- After that, I called to suspend my card and file a fraud claim # XXXX. Of course, they denied my fraud claim. I spent days and hours calling to different numbers to get an explanation or asking for a process to follow in order to get my money back. I have been only getting excuses and not being able to speak with someone that wants to help me, they always keep telling me, someone is going to call you to your phone number ( Never received a call ). 
- The explanations for denying my fraud claim are mainly someone activated my card with a correct pin, and the transactions were realized in the area where I live. 
- I filed a police report # XXXX on XX/XX/XXXX reporting the situation, that someone stole my card and took all my money. 
- Then by my own, I find out that my mail has been manipulated, not sure if there is someone in the property where I live. I also present a claim with them XXXX. And that someone activated my card on XX/XX/XXXX in an XXXX in XXXX / XXXX XXXX XXXX XXXX XXXX, California XXXX United States ( XXXX XXXX XXXX. 
-In the middle of this situation, I tested positive for XXXX, not being able to work, with no money and nobody helping me. And also, they are charging me extra fees for no having enough money in my bank account. 
- The last update to my case was on XX/XX/XXXX, I went to the bank where my debit card was activated in order to get the videos of the person, or a detailed investigation to probe that It was not me and that I need my money back. I also present a Service Claim # 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 2022-02-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report 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 2022-02-21 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: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report 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 non-monetary relief
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021

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 2022-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I was informed that Select Portfolio Servicing published false information on my credit report, causing my credit to drop XXXX pts. I contacted the FTC and was told I could sue under the FCPA for any false reporting. I have had numerous issues dealing with this company, and after I informed the appropriate agency they retaliated by reporting false information on my credit report. In the month of XXXX after requesting an escrow closing, I received 11 letters from SPS, nothing having to do with my escrow account, except 1 letter. The other letters had nothing to do with what I was addressing. SPS did finally close my escrow account however, after checking online, I noticed the amount on my statement is wrong, my principal and interest adds up to {$530.00}. SPS has not modified my XXXX statement and they have not omitted the escrow account, which is closed. Moreover, as of XX/XX/2022, I have not received my mortgage statement. But they have sent 10 letters, not addressing my issue. They also sent me a letter with the following address : Select Portfolio Servicing, Inc XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Ironically, I did not see a copy of the letter with the XXXXXXXX XXXX address online XXXX but I do have a hard copy. The letter stated to send my mortgage payments to this address. This is not the address on my mortgage statement. I have never seen this address. I have requested numerous request to receive my monthly statements on time, yet again, they are always late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NJ

Complaint narrative:
I sent a idenity theft report to XXXX to remove XXXX XXXX XXXX XXXX accounts XXXX only removed the inquiry but not the whole accounts im dusputing the whole account XXXX is not reachable by phone this whole process took longer than 30 days also transunion has also have my police report and falied to remove accounts

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