vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: DISCOVER BANK
State: TX

Complaint narrative:
Hello, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hello, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have PAID IN FULL on an OLD XXXX bill to TWO collection agencies. One is Resurgent Capital and the other is XXXX XXXX. If I am correct I paid a total of {$230.00} to Resurgent on XX/XX/XXXX account for the XXXX account number XXXX but then again I ALSO remember paying XXXX XXXX the SAME amount on XX/XX/XXXX account number XXXX. There are two accounts that I paid to XXXX XXXX ref number # XXXX and reference number XXXX ( or something like that ). 

I applied for a XXXX Credit card and got APPROVED for a XXXX credit limit in XXXX of XXXX. Imagine my surprise when I go to check my XXXX account and couldn't get online to view it so I called XXXX. The Rep told me that my the account is PERMANENTLY AFTER I got the credit card AND after I paid the old XXXX account off. I have ordered items from XXXX and have received some of them. The other items were requested to be sent BACK to XXXX BY XXXX because of they said that after reviewing my credit AFTER they gave me the XXXX Credit card that I STILL owed them money and that was the reason they PERMANANTLY closed the account. The credit card account is still open because I have not gotten in the mail and activated it yet but they REFUSED to REOPEN the regular account because of NON-PAYMENT which is not true ... IT'S BEEN PAID and PROBABLY TWICE at that. 

I tried to resolve this matter by contacting XXXX headquarters on XX/XX/XXXX and was told that even though i paid the account BEFORE they closed it that I can NOT use the XXXX credit card and my account will stay PERMANANTLY CLOSED. I have contacted my bank and filed a dispute to have the {$230.00} RETURNED to my account on XX/XX/XXXX. it is not my fault that Resurgent Capital did not communicate with XXXX about the payment so therefore they do not need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-20 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: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
After checking my records the amount they said I owed was different then what they were reported to all three credit bureaus. When speaking to portfolio Recovery Associates we came to agree an agreement to settle the account on XX/XX/2020 for {$330.00} they also stated that after the payment was completed that they would delete the account from all 3 credit reporting agency. I also have proof of this agreement and will attach to this complaint. They have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: VA

Complaint narrative:
XX/XX/2020 received a letter from American Coradius International LLC ( ACI ) saying that this " XXXX XXXX '' ( notice no middle initial and last name removed ) owed {$270.00} in a XXXX account that they are collecting for. There are hundreds of XXXXXXXX XXXX in the United States. This XXXX XXXX XXXX has never had a XXXX account, so it's impossible to be in arrears to XXXX or ACI! XXXX won't answer any inquiries because the " debt '' is now ACI 's. Contacted ACI by phone XX/XX/2020. Got a lot of doubletalk without any resolution. On behalf of all the other XXXX XXXX in the United States, who were " cold-lettered '' also, I just wanted to submit a CFPB Complaint for the Record. I told ACI that I was going to file a CFPB complaint. How many elderly " XXXX XXXX  '' received the same ACI letter indicating they would accept a lower payment of {$200.00} to consider the matter closed. Would have been nice for ACI to enclose a photo copy of the XXXX account that I never had!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Synchrony Bank for a promotion they offered, spend {$500.00} between XX/XX/XXXX and XX/XX/XXXX on non Gap brands and receive a {$50.00} gift certificate for XXXXGap. I called the bank/credit card company numerous times and could not get this {$50.00} credit. On XX/XX/XXXX I filed complaint # XXXX. A representative of the bank called me a short time after this and said they would look into this offer and get back to me. That was 5 weeks ago and I have not heard anything further. Looking at your CFPB site, I now see they have closed my complaint. 
THIS IS NOT CORRECT. I have not received my {$50.00} credit or heard back and they have no right to close this complaint. 
I can not spend more time on this and receive another patronizing phone call. Five weeks was plenty of time to investigate my complaint. I need to receive my {$50.00} credit now. 
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 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for an18 months no-interest credit card FROM Wells Fargo. I was approved and then completed a balance transfer. 

They continually charge me monthly fees, interest, etc., which is completely contradictory to what terms and conditions I applied and got approved for. 

I've made FIVE ( 5 ) separate calls to their business office asking them to straighten out the problem, All I get in response is " we've assigned a case number and a rep will be getting in touch with you ''.

No representative from WF has contacted me, as the billing issue continues. I'm paid up to date on my payments, and I'm disgusted with this bank XXXX customer service I'm aware of all the systemic legal problems WF has had in recent years including fines, corruption, etc. My issue is a SIMPLE FIX. 

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 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 3D Financial, LP
State: TN

Complaint narrative:
TOLD I MAY BE PENDING LEGAL ACTION SINCE I COULDN'T PAY ONE LUMP SUM RIGHT AWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We feel as though we are unjustifiably ignored and being held up with our mortgage refinancing at a lower rate. We have been approved and have provided all documentation requested. All communication has ceased unless we initiate contact regarding the status of our closing date.

Our original loan is with NewRez LLC c/o Shellpoint Mortgage Refinancing at 4 % interest rate plus PMI. We are in good standing, have excellent credit, & pay our mortgage on time. We selected NewRez for refinancing since they already have our loan. We felt the process would be a smooth transaction. 

Our refinance loan ref # XXXX was approved XX/XX/2020 with no PMI and 2.86 % interest rate. The process began XX/XX/2020 with a quote and a guarantee to beat competitors ' rates. Once we decided to eliminate competitors and stay with NewRez for the refinance loan, the process of closing has been delayed and conversations are non-existent. 

We are seeking a closing date with minimal fees or modifications to our current loan to provide elimination of PMI and reducing our rate to the promised rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested and received copies of my credit report from XXXX, Experian and XXXX. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT ED/XXXX  accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX  accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX  accounts that report 90 days late when there are no 30 or 60 days late prior, because XXXX, Experian and XXXX  did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to XXXX, XXXX  and Experian. I have attached copies of the actual disputes that I sent to Experian. Attachments include account names, account numbers and violations.

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 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Good Afternoon and how r u Cfpb & Westlake Financial Managers! I'm not sure exactly who to take this to, but it's been more than 6-7 months that i been trying to resolve this matter and everyone has failed to look into this and investigate it. I haven't received anything that proves the method of an investigation but yet there is a wrong balance on this account and finally today I got hold of someone that help me get to the bottom of it. As you can see the attachment, i talked to XXXX today and settled the account and he said that within the next few weeks, they will remove this tradeline from my 3 credit reporting agencies ; XXXX  and XXXX  and XXXX. I'm not liable for this account, but yet it continues to report incomplete, inaccurate, erroneous information on my credit. It's basically unverifiable and this can not be reported as such, It's my understanding that under the consumer laws that account needs to be reported as accurately as possible, and verifiable. This is not accurate!!! There are different dates of last open, questionable balance, high balance than actual balance, 1st dates of delinquency is incorrect and different dates of last active and payment, etc.

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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I received a letter regarding a disputed bill with an XXXX XXXX dated XX/XX/20 from PennCredit Corporation. I mailed to them a 'cease and desist ALL communications ' letter ( because it is disputed ) on XX/XX/20. However, I continue to receive phone calls per my caller ID from this collection co. ( PennCredit ). They have called : XX/XX/20 at approximately XXXX from XXXX ; XX/XX/20 at approximately XXXX from same # ; XX/XX/20 at approximately XXXX from same #. 
I believe they are in violation of the law by persisting in making contact with me after they have been notified to STOP and that this bill is DISPUTED. Any reporting of this DISPUTED bill on my credit report causes damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : 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 2020-10-20 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:
Hello, I am XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

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 2020-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have an XXXX account which is through XXXX via XX/XX/XXXX. On XX/XX/XXXX, {$250.00} was taken out of my account without my authorization. After 13 calls the bank is unable to find out where the dollars went and have since locked my account from me getting my money. I have no access to the dollars and they can not explain where the {$250.00} is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
Had a contract with a developer for three years they change our lender to a new lender now denied my loan saying that my credit was too low I have checked my credit with multiple credit bureaus and my credit is in the high XXXX I believe what theyre doing is trying to sell my property for a higher price from what they agreed to sell it to also this bank passed my credit multiple times to bring down my credit XXXX points down I spoke to a different lender I was told maximum points that I had to lose was XXXX the lender name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hey guys, on XX/XX/XXXX I got deposited sba relief loan in the amount of XXXX. I got accepted from the sba after all the pending process so I have a current contract with sba to make certain payments every month and I still dont have my funds. So I received my funds to the account so since my account is on Restriction due to the loan. I showed them proof of my loan agreement and contract details and everything and still nothing. They put it on restriction for quite some time now n they decided not to be in relationship with me anymore n close my account but before they close my account they said they have to send the loan back and it might take some time within weeks or months or so and Im still waiting and they havent sent the funds back to the sba and is like I did everything in my power to sort this all out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-20 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-20 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:
I do not recognize these accounts on my credit report.may belong to someone else.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THE INFORMATION LISTED IS NOT ACCURATE

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