vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Dispute with Prosper XXXX XXXX reference # XXXX spoke to representative regarding merchant interest fees account. I did not realize I was paying interest for the balance per month of the card. I closed the account today in hopes that I could work an arrangement out towards the purchases I have made. They are unwilling to work with me to make these payments. I would like to see if the company would allow me to pay my balance without the interest considering the account is closed and the card will no longer be used. It is so terribly sad for individuals who are trying to fix their credit are milked and prodded to where roughly XXXX gets applied to the account balance. If this is the case maybe a best practice for the credit card company would be to say here is your minimum due, please select the interest pay option to pay an additional amount towards your balance. For example, if the minimum is {$30.00} and the interest is {$21.00} within the payment option it should have {$51.00} to pay so that at least the {$30.00} you paid goes towards the credit card account balance.

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 2023-07-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
We have repeatedly contacted XXXX XXXX about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with IdenityTheft.gov, we filed a police report, and we have written and mailed copies of all the above to XXXX. 

They have not removed the fraud account from our credit records. 

XXXX XXXX does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Called and attempted to cancel membership online. There is no option to cancel, only to downgrade. I do not want their credit monitoring service at all. 

They require you to sign up even to just receive a credit report. Then they charge you each month. 

I want a refund for prior months and for a cancellation / closure of my account.

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 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
i have submitted several CERTIFIED LETTERS that indicate inquiries are fraudulent and/or unauthorized multiple times and they refuse to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
i have submitted several CERTIFIED LETTERS that indicate inquiries are fraudulent and/or unauthorized multiple times and they refuse to remove them

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 2023-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Coast2Coast Mortgage, LLC
State: VA

Complaint narrative:
at XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX called and was a robo call so I hung up At XXXX XXXX I than received an e-mail from him stating to call him about a loan for a mortgage- I responded- I am only looking- I already have mortgage co - thank you - At XXXX rec'vd another e-mail form him stating he could beat the competition- I responded - PLEASE stop - already have company - then received another e-mail- I then sent e-mail to stop that it was harrassment - At XXXX I rec'vd e-mail stating " Good Riddance '' I am reporting him for his unprofessionalism and harrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX continues to report inaccurate information on my credit report that is harmful without providing legal proof of the debt. I have disputed 2 credit cards multiple times on my report that I am not legally responsible for. I have asked XXXX repeatedly for the documentation they received to confirm these accounts are mine. I have also asked both the companies and XXXX to provided me with a copy of the legal contract for each credit card and neither have done so. These accounts should be removed immediately as they are harmful and the companies can not provide a legal binding contract that I signed confirming the accounts are mine. The accounts are : XXXX XXXX Barclays

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
Back in XXXX XXXX. I was getting XXXX money. I had pre payed card from one of the institutes that New Jersey XXXX deposits the money. I am trying to explain to this bank that I put wrong information. Instead of my bank routing number I put my deposit slip routing and money was never transfer to my account.the money will never go thru, they need to refund the money to the pre payed card so I can put correct informations.I went to XXXX XXXXXXXX XXXX seat down with the manager she searched up the transaction and she did not found anything. She wrote a letter stating that money was never deposit to my personal account. I keep calling them about this matter and nobody is helping me. I send them proofs and they still denying it. If I would get those money ( XXXX ) I would not fight with this bank for past 11 months. Please help me to get my money back so I can transfer them to my appropriate account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I began the loan Assumptions process with my current mortgage lender, Dovenmuehle back in XX/XX/XXXX post divorce. I submitted all required documents in XX/XX/XXXX and told the entire process takes about 6 months total. As of today, XX/XX/XXXX, I have inquired multiple times as to the status of my loan. I am getting responses that my requests are being escalated to the underwriter but the underwriter doesn't seem to be working my file. I am growing exceedingly frustrated as I would like to know if I am approved or not. I have been responsive and timely. Dovenmuehle has not and continues to delay my loan for small things like me failing to write in my loan number on the loan application in an area that clearly states to be completed by the lender. I fear they do not have the competence to complete my request nor the courtesy of keeping me informed along the way. I am beyond frustrated and would appreciate an answer within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Greeting Team, LLC DBA Customer Care Global
State: MO

Complaint narrative:
Tribal loans were signed up for online using my information. I have since closed my accounts and changed credit card numbers. I have been notified the debts are being collected by Customer Care Global XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX The company was notified via email on XX/XX/XXXX 
The fraudulent deposits into my account were made by a shady group of online tribal lenders. 

The websites were XXXX XXXX and XXXX XXXX 

I am unaware of how my information was obtained. I have also received threats from other companies in this group of loan affiliated companies alleging loans taken out years ago that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX has posted an account on my credit report. XXXX XXXX  associates is a debt purchaser. However XXXX XXXX services never notified me of my right to dispute the debt that they purchased from Synchrony bank. In addition they claim that the Date of first delinquency was XXXX XXXX THe original date of deliquency was XXXX XXXX with no payments or promises to pay being made after that,

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 2023-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Mortgage is continuing to harm consumers who have their mortgage loans with them. I asked for assistance for one month with my current loan modification payment and Wells Fargo offered me no help only options that would harm me and benefit Wells Fargo. Examples are higher interest rate modificiation which would create a further hardship and put my home at risk of foreclosure and offering me a repayment program for only 3 months which would make the payment unaffordable. Wells Fargo in the past had a deferment program to help mortgage holders skip a month, adding it to the end of the loan as a courtesy to help with temporary hardship. Wells Fargo no longer offers this program. Instead they are only interested in greed. As a consumer I am very upset your agency is allowing Wells Fargo to continue their bad business practices and harming consumers instead of enforcing rule against this bank. Apparently a XXXX XXXX fine is not enough to prevent Wells Fargo from continuing to harm consumers. Please investigate.

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 2023-07-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have tried multiple times to correct the balance/status that XXXX XXXX is showing on my credit report with Experian, This house was sold and paid in full XX/XX/XXXX. 
Experian is showing the status as " Open/Never late. Deferred, payments begin XX/XX/XXXX '' with an outstanding balance of {$220000.00} as of XX/XX/XXXX. Neither of this is correct! 
I filed for bankruptcy in XX/XX/XXXX and the house was never reaffirmed so amount should have been changed to XXXX back then, but it was sold anyway on XX/XX/XXXX which also should have made this balance XXXX! This account is no longer open and payments are not due in XX/XX/XXXX?? This needs to be corrected immediatley, this is ridiculous! 

I've attached what I could from my XXXX XXXX account showing it is paid in full and balance is XXXX. No statements have been available since 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 explanation
Consumer complaint received 2023-07-17 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: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I PURCHASED A TRIP PACKAGE THRU XXXX XXXX FOR XXXX ON XX/XX/XXXX FOR A TRIP TO XXXX ON XXXX XXXX  I DIDNT RECEIVE AN CONFIRMATION OF THE TRIP I CALLED CHASE CREDIT TO LET THEM KNOW I BELIEVE I WAS SCAMMED THEY STARTED A FRAUD/DISPUTE WHICH I NEVER HEARD BACK FROM CHASE OR XXXX XXXX I CALLED CHASED EVERY WEEK AND THEY KEPT SAYING THEY GON NA REACH OUT TO THE COMPANY TILL THIS TODAY THEY HAVENT GOTTEN ANY RESPOND FROM XXXX XXXX THEY KEEP CLOSING MY DISPUTED BUT THEY DONT KNOW WHY IT HAS BEEN CLOSED THEY HAVE GAVE ME XXXX DIFFERENT DISPUTE CASE NUMBERS.. WHICH THEY HAVENT EMAILED ME OR SHOWN NO CONCERN OF THE PROBLEM,, I SUBMITTED EVERYTHING THAT WAS ASKED OF ME AND YET IM STILL PAYING INTEREST RATE FOR A PRODUCT I NEVER RECEIVED, ,I CALLED THEM XX/XX/XXXX AND EXPLAINED I STILL HAVENT RECEIVED ANY CONFIRMATION AND I WAS TOLD CALL BACK AFTER THE DATE WHICH I DID XX/XX/XXXX AND THEY GAVE ME ANOTHER DISPUTE # SAYING IT HAS TO GO TO A SUPERVISOR I BEEN DEALING WITH THIS SINCE XXXX AND I REFUSE TO PAY FOR A TRIP THAT I HAVE NOT RECEIVED!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Brightwater Capital, LLC
State: NC

Complaint narrative:
I have been getting phone calls from Debit collectors for a loan I did not take out. This is also on my credit report. This loan came from XXXX XXXX XXXX XXXX in XXXX, MD XXXX. The person that took out the loan did this online according to the loan office. It was a personal loan for {$35000.00}. the check was sent to an Address in XXXX NC. I do not live in XXXX, and I did not take out this loan. There saying because the last XXXX of my socials was used and they want me to pay for this loan. I have had several debit collector calls and tell me I need to pay for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-17 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: ID

Complaint narrative:
Bank of America has turned me over to a collection agency for a fraudulent identity theft I never Bank with this bank of america just checked my credit history and this was on my report apparently I owe them XXXX $ I have never done business with this bank now they want this payment sent to XXXX XXXX XXXX credit owner XXXX XXXX XXXX Can you please help me they have ruined my credit and I was so unaware of theses charges that someone has stole my identity or bank of america is responsible. Help Please XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2023 XXXX XXXX charged my account XXXX times XXXX and XXXX and XXXX for a total of {$500.00}. I immediately notified Wells Fargo about the fraud and let them know I do not know this company or authorize them. During that same call, the banker I asked me about a XXXX dollar reoccurring payment from XXXX. I told this banker I do not know but since I am an XXXX user it could be something I signed up for. This banker advised me to add this to the claim. I did so. After XXXX weeks, I call and Wells Fargo notified me they refunded me XXXX dollars from XXXX and since there were XXXX  merchants in the claim they are only able to deal with XXXX. They advised me to waiXXXX XXXX  days because they needed to gain rights to get the funds back. But after calling them today they notified me that the case is closed and they are not able to get the funds.

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