vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: AZ

Complaint narrative:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  Inquiry Date XX/XX/2020 ; XXXXL Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 The following address needs to be removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3800.00} ; XXXX XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: AZ

Complaint narrative:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX  XX/XX/2020 The following address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.

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 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hiya, I've attached my Identification ( Driver 's License ), exhibits and complaint in the document attached to this complaint. 

Thank you

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 2022-03-22 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have applied for credit with SYNCB/XXXX XXXX on XX/XX/XXXX. I have two hard inquiries on my credit report showing that my credit was run twice. One time on XX/XX/2022 and the other time on XX/XX/2022. When I spoke with one of the XXXX XXXX manager they stated that they only ran my credit one time on XX/XX/2022. I would like to have that inquiry from XX/XX/XXXX remove from my credit report please. They verify that they used the same information submitted to them on XX/XX/XXXX and only ran my credit on XX/XX/XXXX when they spoke to me. Please rectify this information and advise what other information I need to submit in order to resolve this issue. Thank you

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 2022-03-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account #, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple letters have been sent out to Equifax Credit Bureau. Both entities have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
My student loans are with Fedloan Servicing and I am on track for the Public Service Loan Forgiveness program. I submitted my Employment Certification and application for the PSLF and received a letter indicating my payment counts were updated AND that the waiver has been applied to my account. My most recent counts were updated but the waiver has not been applied to my account. There has been no confirmation that they received my Employment Certification for an employer I had in 2012, that will qualify under the waiver, as well as payments I made under my current employer that should qualify under the waiver. I am very close to reaching the 120 payments for forgiveness. My complaint is primarily about the misleading information on the letter I received from them stating that the waiver has been applied to my account when it clearly has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
A {$200.00} Vanilla gift card was given to me as a gift and there was a XXXX balance the first time I tried to use it - I called and got a case # but there are hundreds of not thousands of reports that this is their standard operating procedure- they steal your money and do not return it-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
For two months now, I have experienced an issue where I have scheduled a payment in the XXXX application, seen the confirmation screen, and then come back the next day to find that my payment was not processed, and I have been charged a late fee. The first time it occurred the fees and interest charged were waived. I scheduled a payment via web as soon as it became known to me for the full statement balance of the card yet again this month, and when I contacted Barclay 's on XX/XX/22 to ask if there was some place I can report a bug in the application and requested that fees be waived, I received a dismissive response of advice such as " you can schedule a payment up to 10 days before it is due ''. Yes, that is true, but if responsible use of a credit card as a short-term loan is supposed to involve paying the balance in full ( which I have been doing for some time now on this account, I might add ), why would I do so any sooner than I need to? To my point, I was refused a second fee waiver with those unhelpful responses, which did not answer my question.

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 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: GA

Complaint narrative:
A simple look at the XXXX reviews for XXXX in XXXX SC is a fair indication of false reporting to credit bureaus. Each interaction a representative states a different date for the last payment made. The amount changes every time. There is a recorded call that they will not retrieve indicating that the debt would be removed from my report. They refuse to remove it due to recent policy changes. They also can not properly indicate to me the original amount the debt was for. Their phone number is ( XXXX ) XXXX. I have attempted and successfully gotten this debt by requesting from the bureaus, they simply report it again months later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I entered a consumer credit transaction with this corporation and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. Not only did Wells Fargo take cash in this consumer credit transaction, they took a down payment, they didn't include my car insurance in the finance charge and I never received my right to recession nor the material disclosure. Pursuant to federal law they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt and they have apparently charge off my account. I called them and asked them to explain my car payments, because pursuant to 15 usc 1605 the Finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number, and I've paid well over the finance charge ). Instead of providing me with the information I asked for they responded with a transaction history. They have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope that's alleging I owe a debt, they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me. I hereby rescind the consumer credit transaction granting any security interest to Wells Fargo Auto.

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is a two part complaint. I had a Wells Fargo account from about XXXX to XXXX. In late XX/XX/XXXX, I opened a checking account online. 
I was cheated in XXXX for {$210.00} for a dispute with merchant XXXX for a charge that was not supposed to be authorized. The card involved was XXXX. I tried previously to resolve this with Wells Fargo who was known as Wachovia at that time but the representatives were rude and unhelpful. 

For the XX/XX/XXXX checking account, I received the checking account info in the mail from Wells Fargo in early XX/XX/XXXX, and I arranged for direct deposit and although it was delayed it eventually posted to the account. However I never received the {$200.00} bonus for new customers. Also I am requesting a waiver of a {$10.00} fee that was assessed around XX/XX/XXXX since the direct deposit was delayed. 

All supporting info is available upon request. Thank you.

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
In early XX/XX/2022, I received a credit alert of a Debt Collection on my credit report. It was for an energy company called XXXX XXXX XXXX for {$140.00} being collected through a company called Transworld Systems , Inc. I disputed this account since I had no knowledge of it and believed it to be fraud. All three disputes went through successfully. I froze my credit shortly after. 
Then on XX/XX/2022, I received another credit alert of yet another Debt Collection on my credit report. It was for a different energy company this time called XXXX XXXX XXXX XXXX for {$360.00} being collected through the same debt-collection agency, Transworld Systems , Inc . I disputed this report for error on all three company websites and also place a Fraud Alert with all agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: NC

Complaint narrative:
Equifax refuse to investigate and remove a 3rd party collection agency incorrect information on my credit report. I have no knowledge of this of this agency XXXX XXXX. I have NO CONTRACT OR SIGN A CONTRACT WITH THIS 3rd party COLLECTION AGENCY. I have disputed this fraudulent information 4 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Equifax will not remove this 3rd party NO CONTRACT debt. After disputing the fraudulent charged Equifax let the consumer/3rd party XXXX XXXX XXXX place a refusal to dispute on my credit report ; which states I can no longer dispute the 3rd party XXXX XXXX XXXX charge and it will remain on my credit report along with the collection agency statement for other creditors to see if i apply for credit. XXXX XXXX refuse to take any more of my complaints or disputes. The issue I have is why Equifax allow a collection agency to put a statement on my credit report to reject any of my disputes or complaints and also to let other creditors see ony credit report? This is not the law for FCRA Fair Credit Act Report guidelines. This type of action from Equifax is out of FCRA compliance requirements for a customer contesting incorrect accuracy of information on their credit report. This is the type of treatment these credit bureaus need to stop immediately. I have every right to dispute 3rd party collections NO CONTRACT fraudulent information. These 3rd party collection agencies have no right to collect a dime when a client have no contract or agreement with their business. Also, Equifax never increased my credit scores after Department of EducationXXXX informed them that over {$150000.00} school loan debts were paid in full. Equifax removed the debt, but no increased credit score. My understanding when debts are paid in full credit scores should increase. There were 25 Department of Education/XXXX loans paid in full ; however, there were no credit score increase to show loans were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I schedule a payment to XXXX XXXX auto account for XX/XX/XXXX, money was available in my account for this payment. the payment was sent via Bank of America Bill pay dept on XXXX, XXXX but for some reason, the payment was held by the bank of America and posted to my checking account until XXXX, XXXX causing 6 overdraft fees ; BOA admitted to the error but refuse to refund me the overdraft fees. I spoke with Supervisor XXXX and several other reps who did not resolve the issues. I received an email from BOA admitting to the error but they are not willing to refund the money

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 2022-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN

Complaint narrative:
I have applied for XXXX funds through the State of Indiana. Community Loan Servicing has been provided this knowledge at least 5 times. They are requiring me to make a decision to accept or reject the Modification offer before I have an answer on the XXXX application. They are telling me I will lose their Modification offer if I don't give them an answer. However, based on my research one should not be dependent on the other and even if I do get funding from XXXX, I can and should still be offered the Modification. Community Loan Servicing has been less than compassionate and their communication is horrendous resulting in poor customer. Service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Called everyday to Collect debt impersonating synchrony bank.

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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
Our mortgage was bought by Roundpoint Mortgage in XXXX of XXXX. We were informed that at closing there was an escrow shortage of approximately {$700.00}. Roundpoint informed me that if we pay that amount, then our monthly payment would decrease. I spoke with a representative on XX/XX/XXXX who told me to pay {$420.00} and in XXXX our payment would decrease. In XXXX we received our XXXX statement with no changes reflecting. I spoke with a 2nd rep from Roundpoint who said that I would need to wait until XX/XX/XXXX for the escrow balance to reflect. I checked on XX/XX/XXXX and nothing changed, and made the original monthly payment. Spoke with the 3rd rep on XX/XX/XXXX who informed me that I was told incorrectly ( on waiting and the amount ) and I needed to pay an additional {$160.00} for the escrow and that he would make a request to conduct the escrow analysis. He told me to wait until XX/XX/XXXX for this to take effect. I was called on XX/XX/XXXX by a 4th rep inquiring why a payment was not made and I caught her up to speed. She said that an analysis hasn't been done and to go ahead and pay the monthly payment but it will be completed for XXXX 's statement. Today, XX/XX/XXXX, I receive the XXXX statement and just as before, nothing has changed. I called to make a complaint or to speak with someone higher up, and I spoke with my 5th rep from Roundpoint. She did not take a complaint but stated that an escrow analysis has never been requested on the account, but she would input one right now. My frustration is this : if this is something that can not be applied, I would never have paid the extra money. I have been told different things from each rep and I have no trust in this company at all. They do not have the customer in mind, and clearly they are not properly trained nor do they ask for help if they do not know how to do something. I'm hoping that rep # 5 actually knew what she was doing and completed the request, but I have little confidence in RoundPoint Mortgage. Clearly they are a company about taking the customer 's money.

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 2022-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I make de posit on my. Citibank accounts but. They never. Let me. Use the. Money. They close my. A counts. But my account has money 's what i need. To use to pay my bills and use to do my work. And. They. Dont want transfer to my bank account. They hold my money one of the bank account has. {$75000.00}

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