vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Disputed {$100.00} of {$400.00} charge from XXXX XXXX because this was the delivery fee, and the delivery persons came late and refused to wear facemasks during delivery. Bank of America refuses to remove this fee and states that I complained of discrimination. I didnt complain of discrimination ; I asked them to resolve removing {$100.00} with the merchant because I wasnt satisfied with the goods and services provided- had I known that delivery persons wouldve refused to wear facemasks wouldnt have chosen this service.

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 2021-08-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
This company, Fair Collections and Outsourcing is by way of identity theft, committing fraud. They have stolen my personal identifying information from XXXX XXXX Apartments, and have furnished my consumer reports with adverse information without my consent. The have not validated or verified this alleged debt, but there are attempting to extort me for payment by way of coercion.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities NCAXXXX NATIONAL CREDIT ADJUSTERS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS 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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS 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 non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been dealing with only Wells Fargo and now as of XX/XX/2021, they are saying that being the servicer of the loan they can do anything, right or wrong and not be responsible. So now I am bringing XXXX  XXXX XXXX in and let them see what their Servicer have been doing.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I monitored my account on the Bank of America mobile app and set up 3 electronic withdrawals. I waited till the withdrawals came out of my account and saw that I had a remaining balance of {$1.00}. The bank is telling me that the amount on the app is not accurate that my balance was lower and so I was charged a return fee twice for a {$100.00} payment. They told me after serval time asking if the mobile app is just flat out wrong that in order to see an accurate balance of my account I would have to log in on a laptop or desktop computer then click on a special screen that will show me an accurate balance. I asked if I could be refunded because the error was not on me and that I was misinformed by their app which is still showing the same transactions and balance that I had the day this all happened and they refused.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report. 

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: MN

Complaint narrative:
On XX/XX/2021 I received a debt collection letter from I.C. System, Inc. 

On XX/XX/2021 I wrote to I. C. System, Inc. not to call or mail me any further collection debt stuff, that it will be considered harasment. I mailed the letter on XX/XX/2021. 

On XX/XX/2021 at XXXX XXXX from the number XXXX, the male representative stated that he was trying to collect a debt for I.C, System, Inc. I told the guy that I wrote a letter to his company on XX/XX/2021 to not contact me further via, phone or by US Mail, that it would be considered harassment. He stated that his company doesn't have a letter in my file regarding this info. 

XX/XX/2021 after the phone call I wrote a letter telling I. C. System , Inc. not to contact me again via, phone or by US Mail. I will mail the letter via, Certified US Mail, Number XXXX XXXX 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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting inaccurate information on my credit report that is adversely affecting my credit. I requested disputes and my account does not even reflect that an investigation was done. None of the inaccuracies have been updated or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I filed a dispute in regards to my credit report and I haven't received a status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX of XXXX I began the dispute process with Equifax over 3 unverified accounts in collections on my report. I disputed all 3 accounts from XXXX XXXX because all accounts were unverified. I received responses informing me the investigation was complete from them and I had documents provided by the debt collectors providing me invalid forms of proof in order to justify illegally reporting these collections on my report. I repeated the process with 3 more rounds of disputes, a total of 4 rounds of disputes in an attempt to resolve the discrepancies with the company. Each time their willful improper investigations yielded no VALID forms of documentation as required by the FCRA under section 611 to provide proof that the debt is in fact mine. There must be an original document consumer contract containing my signature on it in order to verify the account and legally report it. The dispute process with the company ended XX/XX/XXXX without remedy. My account has had these collections since XXXX and for several years has damaged my credit and negatively impacted my life. Im homeless and have been unable to obtain housing for years because of the illegal practices ruining my credit caused by Equifax. Ive exhausted all options with the company and they have repeatedly dismissed my valid disputes over my credit report. Roughly cost {$120.00} to dispute with Equifax for printing, copying, postage, and notarizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sold my car to an individual and have the notary stamp on the sale of the vehicle. I sold the vehicle as a sublease, and the individual continued to make payments on the vehicle. However, the person that " purchased '' the vehicle declared bankruptcy in 2019 and made one last payment on the car in XXXX of that year. The car was repossessed and my credit was impacted and not the person with the signed notary. I sent documentation of this to XXXX XXXX and they stated that I could not dispute this because a payment was made in 2019.

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 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc.
State: OR

Complaint narrative:
Hello, I am writing per the terms of the Revolut Cardholder agreement " 17. Preauthorized Credits. If you have arranged to have direct deposits made to your Card Account at least once every 60 days from the same person or company and you do not receive a receipt/statement ( or paystub ), you can contact us using the Revolut mobile application or send an email to XXXX to find out whether or not the deposit was made '' I have a recurring direct deposit that was never posted by Revolut that was scheduled to arrive on XX/XX/XXXX ( Friday ), 2021 - in the amount of {$9100.00} USD from XXXXXXXX XXXX XXXXXXXX. I've confirmed with my employer that the amount was sent and has not been returned. My employer uses XXXX as a payroll processor. I'm not sure if the funds didn't arrive or if the funds are being held by Revolut due to compliance issues. 

I've never had a direct deposit not post by the actual payday ever at any bank in the United States. I understand sometimes a deposit may post early due to the 2-day early pay, but this may not always be the case. The expectation then would be the funds would post on the actual pay day. As you can imagine this has caused some financial impacts. 

Revolut customer service has been unhelpful because to trace the payment they need the sending bank information which my employer is unable to provide because they use XXXX. I've asked Revolut to use a previously posted direct deposit to use for the same sending bank details. I working in banking and compliance and I've seen an ACH file - it is not very difficult to do a quick search if you only have part of the details or if you have a reference transfer. 

Additionally - I have not received ( I looked through the terms and conditions ) the specific funds availability policy ( RegCC ) as a deposit holder including or a RegCC hold notice. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Policy canceled and credit was supposed to be sent to me. Shouldn't be on my credit reports. It needs to be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Policy canceled and credit was supposed to be sent to me. Shouldn't be on my credit reports. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have contacted XXXX numerous times after numerous times. I submitted a FTC AFFIDAVIT WITH ALL REUQIRED DOCUMENT INCLUDED. I am a victim of identity theft, someone used my personal information for personal gain. 

XXXX latest report deleted everything but refuse to delete the collection accounts on my credit which is also fraud and unauthorized- WORLD FINANCE CORPORATION REFLECTING AS A CHARGE OFF ON MY CREDIT WHICH IS INCORRECT. I also contacted creditor and submitted etc affidavit to World Finance as well. XX/XX/2021 XXXX XXXX XXXX- ORIGINAL CREDITOR XXXX XXXX XXXX - THIS IS A FRAUD UNAUTHORIZED ACCOUNT THA T WAS NOT AUTHORIZED BY ME ON MY CREDIT REPORT THAT SHOULD BE REMOVED IMMEDIATELY. I ALSO CONTACT CREDITOR AND SENT FTC AFFIDAVIT TO THEM AS WELL XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2021, i received three emails from TD Bank regarding the opening of a new checking account. I did not open a TD Bank Checking account.

I then called the customer service number after confirming online the number from the emails matched the actual customer service number. Took forever to navigate because there are no options for those who are victims of fraud. Eventually after jumping through many hoops i was able to get transferred to a representative. The wait time was 15 minutes, which was fine considering fraud was involved. I spoke to a nice young lady who was empathetic to my plight. Sadly, she could do nothing and had to transfer me to the " fraud department ''. She politely informed me that the wait time was 40 minutes. I said that it was fine 40 minutes was not the best number but I was concerned about fraud.

2 hours later, with my total wait time over 3 hrs i finally was connected to the fraud department. They filed an id theft report, told me they would investigate but gave zero time frames. They protect the fraudsters by not giving me what address they used or phone number. 

I want this account closed. I'm not surprised the fraudsters chose TD Bank with all the gaps in there processes. I was told the freeze my reports but how does that stop someone from opening another checking account? The answer : it doesn't. There are no protections for consumers in this line of business. 

As the true consumer, who can prove there identity, its left out of my hands. I can prove who i am, close the account as i requested. There are so many things wrong with the TD Bank process : 1. No indication to consumers how long they will wait on hold. Just endless loops of music with stops that give the consumer hope someone might be connecting.

2. They let fraudsters set up accounts with zero verification. Drivers license? SS Card? none required by my observations 3. Front line customer service reps should be able to shut down accounts and provide the information that i gave to the " fraud department ''. Nothing i gave the fraud department a front line rep couldn't get or take care of. 15 minutes vs 3 hrs. Unnecessary.

4. The consumer is at the will of the bank. Will the account be closed? Why can't i provide proof of who i am? All the pain and suffering i must go through waiting and waiting for an answer. Close the account if i can prove who i am. Can't be that hard if i have to wait 3 hrs to talk to someone. Give me some time back that i gave you?

Again close this account. Now. Not 15 days from now. If it takes more than 24 hrs, i will seek out what legal action i have available to me, at minimum i will sue locally for XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLS FARGO CARD SERVICE XX/XX/2015 {$180.00} Account was supposed to be closed and another charge appeared on the statement and Wells Fargo would not let me dispute the purchase and account was close and shows on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
called me harassed me threatened me. said I owe money for an account not mine. I never held a personal account with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I sent Navient a Cease and Desist letter on XX/XX/2021 however, they continue to contact me in the mail. Attached is a bill they mailed me on XX/XX/2021 which violates multiple U.S. codes of the FDCPA. 

Exhibit A violate

s 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ). Exhibit B violates 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ). Exhibit C violates 15 USC 1692b. ( 5 ). Exhibit D violates 15 USC 1692b. ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX Student Loan on my Experian Credit Report Has is outdated and as per FCRA guideline it should have been removed of my credit in XX/XX/2021 but it is still on my credit. I have spoken to agents at Experian several times and they have been unwilling to delete this from my credit report. I have also contacted XXXX XXXX to stop reporting it to my credit report but they have also been unwilling to cooperate and are bent on continuing to violate my rights. 
As you will notice in the attached documents. XXXX XXXX willfully and intentionally reported inaccurate information about the initial date of delinquency in an attempt to circumvent the law and try to keep reporting this loan on my credit report longer than the law allows them to and this has hurt me financially for every month it was reported on my credit report beyond the 7 years the law allow it to be reported

Company response to consumer: Closed with explanation