vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I recently received a letter from XXXX XXXX  XXXX XXXX of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. XXXX also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. XXXX  has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. XXXXEquifax has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX/Equifax/XXXX also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from XXXX/XXXX unethical and straight biased considering the lack of proof they have supporting their claim. XXXX/Equifax/XXXX has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and XXXX Equifax/XXXX Should be held liable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recently received a letter from XXXX XXXX XXXX XXXX of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. Experian also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. Experian has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. XXXX has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX/XXXX/Experian also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from XXXX/Experian unethical and straight biased considering the lack of proof they have supporting their claim. XXXX/XXXX/Experian has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and XXXX XXXX/Experian Should be held liable

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EXPERIAN

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 2020-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I recent pulled my credit report to find that LVNV Funding was listed as a collections with all 3 bureaus. I havent received and paperwork or phone calls from this company regarding any balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX  XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}

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 2020-05-07 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX  XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Transferred balance from comenity bank and payment passed due date incurred late fee this was when hurricane Dorian passed thru asked for late fee to be waived now balance exceeds 240 dollars and fico dropped 100 points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Saturday I deposited my irs returned through mobile app and it said funds will be available on XX/XX/XXXX so I made payments for my son school and other things. On XX/XX/XXXX I got email saying my check wasnt acepted and to go and deposit it in the branch so I did but when I checked the account I was negative {$1400.00} On Wednesday morning I noticed I had 8 overdrafts fees of {$35.00} taken away so I called and asked to talk to a manager they said there was no way they could help and didnt care where the check was coming from it couldve come from the president and she didnt care. I told her that were going through this pandemic and should be able to help us not destroy us. Im a single mother that with a lot sacrifices Im taking care of my parents and my son. Please if you could 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 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
New Rez/Shell Point Mortgage incorrectly reported my mortgage as in forbearance to all relevant credit agencies. They are impacting my financial future because of this. 

I have asked them to remove it from the credit agency reporting and to provide me with a signed letter on their letterhead that states my mortgage was never in forbearance and was incorrectly reported as such. 

I have spent over 5 hours arguing with customs service reps and supervisors who tell me they have no access to email, put me on hold for countless amounts of time, send me to voicemail boxes that lead me to a dead end, explain to me what their system CAN NOT do. 

It is an abomination. I have paid my mortgage -- hundreds of thousands of dollars - on time every month for over 17 years. 

Best, 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 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-07 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ULRS, Inc.
State: ME

Complaint narrative:
My daughter was in XXXX XXXX  in XXXX in XXXX. I was dealing with a woman named XXXX XXXX on all the billing. She was very helpful and it ended up with everything taken care of after XXXX sent out duplicate checks that were never cashed the first time. 
In XXXX I receive notice from the XXXX XXXX XXXX XXXX, whom I tried to contact on several occasions via phone calls and messages left with the secretary, to no avail. I never heard back after several months of that going on so I assumed it was a scam. I tried to contact XXXX XXXX who is no longer with the company. Heard nothing back until XXXX Credit Collection Bureau has sent out a notice for a collection in the amount of {$2300.00}. I called to find out what this was about and the gentleman I spoke to was extremely abusive, told me he could give me the number to the White House if I wanted any other answers and didnt want to just pay the debt, told me that I clearly stole money from my insurance, told me that he was going to call the police to come straight to my house, and went on to call me several names that were disgusting. When I called back the next day to reach out to someone new I got a young woman named XXXX XXXX Who is extremely sweet and somehow she is from a group called XXXX XXXX XXXX. After several attempts on my end for answers she has me send her a packet which I got through XXXX Of all claims and all checks that were cashed and also who had cashed them to prove that it was not me and it was in fact XXXX XXXX! I pay {$30.00} to send this package out to them at the PO Box she gave me and the name XXXX XXXX she gave me and no one claimed it, it ended up getting returned to me. What I want in the end is for this debt to be cleared because it is not an actual debt and somehow it is a scam between the rehab and XXXX XXXX. Some of the dates that are on the claims stating my daughter did XXXX test are actual dates that she was not in XXXX and I have brought this to their attention on several occasions and once again with no answers. I want this harassment to stop and I want this to be cleared somehow. If this is an actual debt I will pay it but somehow I need answers from someone and proof that this is real. This has gone on for years and this is part of our lives that are in the past so I dont understand why it keeps coming up but no one will respond to me from these companies! Thank you so much.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Credit Card - On XX/XX/2020 at about XXXX from California , I paid my credit card bill through the automated phone system. The automated system recorded the payment as being made on XX/XX/2020. I live in California. Bank of America 's phone system records interactions in East Coast Time. They are fraudulently collecting late fees from two-thirds of the country by recording payments in East Coast time. Bank of America 's late fee policy is applied unequally based on the time-zone of the customer 's calling location and is an unfair business practice. Customers in Central and Pacific time zones have 120 to 240 minutes less to make a payment before being charged a late fee. It's unreasonable, it's not advertised, it's absurd. On XX/XX/2020 I spoke with a Bank of America representative to dispute the late fee and to dispute the practice. First she stated " your payment was made on XX/XX/2020 at XXXX XXXX XXXX and is due on XX/XX/XXXX ''. I told her I made it at XXXX Pacific Cost Time. She told me the system recorded it in East Coast time and that I was in the wrong. She told me if I'm on the West Coast then my payment is due at before XXXX East Coast, on the first of the month. I told her this is not advertised, the automated system only says it's " due on the first ', and that it's an absurd and unfair practice regardless. I said I've filed a complaint with the FTC ( Error - I filed a complaint with the Federal Reserve Board ). She immediately refunded the late fee. She said there was no confirmation number for our transaction and she couldn't send me an email verification. I am complaining about the practice, it's unfair, Bank of America is fraudulently collecting late fees, and it is recording the time of calls in error so that many customers may be confused or outright lied to when phone center staff are insisting phone calls came in hours differently than when the customer called. It's possible this system is also generating fraudulent fees for the bank and disadvantaging customers with other financial products as well.

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 2020-05-07 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: CITIBANK, N.A.
State: PA

Complaint narrative:
In or around XX/XX/2019 a complaint was filed with the CFPB ( Complaint ID XXXX ) against CitiBank d/b/a CitiCards for a lost payment and failure and refusal to issue a credit for the lost payment or to send a check for the lost amount. CitiBank responded to the complaint with inaccurate information and the lost payment remains lost due to the refusal by CitiBank and XXXX XXXX  and its payment processor, XXXX, and another processor, XXXX, d/b/a XXXX XXXX XXXX. Called CFPB today to ask what redress we have now that CitiBank responded incorrectly and still refuses to find the missing payment of almost {$1200.00} CFPB has NO method in place to help us to force CitiBank to find the missing payment. Why is CFPB there? CFPB has been NO help. Waste of tax payer 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 2020-05-07 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: AR

Complaint narrative:
I was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from 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 explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from 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 explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$1600.00} XXXX   XXXX {$19000.00} XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX several times, have usps receipts, have all records proving not 30 days late and since XX/XX/2018 they have reported me 30 days late to all 3 credit bureaus. I filed disputes. Not corrected. I filed second disputes with all after sending 29 letters to XXXX. Still no response. Tried calling credit bureau today. Have been on hold for over an hour. PLEASE FIX THIS PROBLEM. If you need me to send the evidence again, I will. Your site does not allow enough space to send it all. Right now, we can't refinance our home ; we can't sell it and get financed for a new home. We have a buyer for our home at full price, and have found a home to move to, and can't do anything. This is insane. This company needs to be put out of business. CAN YOU PLEASE DO SOMETHING IMMEDIATELY to get my credit reports fixed. I the second disputes, I have them dates, amounts, check numbers, and told them I have the usps receipts because ran out of space on their site. Calling them does nothing. PLEASE, PLEASE, PLEASE FIX THIS. I have an XXXX  from this and am under doctor 's care. I can not keep responding to them every other day. My husband is a veteran and we are senior citizens. 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