vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 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: CA

Complaint narrative:
Last XXXX I identified fraud on my credit reports with XXXX. XXXX & Equifax. I reported it to my local police department, filed a report & received documentation stating the accounts were fraudulent. I also reported identity theft at identitytheft.gov & within a month XXXX & XXXX removed the accounts from my credit report but Equifax did not. I proceeded to submit multiple re-investigations with Equifax explaining to them that they were breaking United States Federal Law under the Fair Credit Reporting Act & the Fair Debt Collections Practices act but even after filing a re-investigation for the 8th time they denied my dispute. I asked the employee 's acting on the behalf of Equifax to identify themselves with their first & last name as well as their employee number yet they continually refused. I believe this activity to be illegal & would appreciate a quick & fair response to their refusal to do what is necessary under Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Union Bankshares, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to start the process of refinancing my primary and home equity line of credit. I was informed that there were NO real estate loans reflected on my three credit bureau reports. I have had the primary loan since XX/XX/XXXX and the LOC since approximately XX/XX/XXXX. 
The original mortgage was taken out through XXXX XXXX  XXXX XXXX, VA. In XXXX, XXXX XXXX XXXX acquired or merged XXXX XXXX. Both loans were reported under the XXXX name after the merger. On XX/XX/XXXX Union Bank and Trust of VA  bought XXXX and acquired XXXX 's loan portfolio. 
I contacted my bank 's branch manager and the bank 's customer service department, Both contacts responded that their loan department had " legally '' determined they were withholding credit information for due deligence for a period of sixty days, and I could expect the reporting to resume at the end of XXXX. My Branch Manager twisted someone's arm and supposidly was able to have the bank manually forward my credit history with them in XX/XX/XXXX It would take 72 hours for the data to be uploaded. 
On XX/XX/XXXX I checked XXXX XXXX. XXXX  still did not reflect my real estate loans. XXXX  did reflect one ( 1 ) real estate one, with most recent activity being XXXX, XXXX. Today, XX/XX/XXXX neither XXXX nor XXXX  reflect any real estate loans on my credit file. 
On XX/XX/XXXX {$30.00} was removed from my checking account via on-line banking. That payment went to an incorrect account. The customer service folks were informed of the lost payment on XX/XX/XXXX, after I had received a phone call from the vendor. To date I still do not have my funds back. 
I have treid to speak with a bank officer, but have been told that information is not available to customers. 
I want to be able to get my mortgages and my checking account out of this bank " Union Bank and Trust of Va '' as soon as possible- but they are holding my information.

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 2018-09-07 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: GA

Complaint narrative:
I am contacting you in regards to my credit file and the errors of fraudulent accounts that was placed on my credit file. I sent over several certified letters dating back to 3 months back XX/XX/2018 and it's been more than 90 days now where I havent received any documents of any original contracts with my signature on it from any of the 3 major credit bureaus, creditors, nor I didnt receive anything to date. I have placed an attachment along with my license and social security card. I am disputing these accoutns as fraudulent, I have no clue and who they may belong to. I am also disputing all the accounts on the attachment as an internal dispute. If you choose not to reply to this final goodwill letter before its up to you. This is my final attempt to resolve this problem.

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 2018-09-07 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: GA

Complaint narrative:
I am contacting you in regards to my credit file and the errors of fraudulent accounts that was placed on my credit file. I sent over several certified letters dating back to 3 months back XX/XX/2018 and it's been more than 90 days now where I havent received any documents of any original contracts with my signature on it from any of the 3 major credit bureaus, creditors, nor I didnt receive anything to date. I have placed an attachment along with my license and social security card. I am disputing these accoutns as fraudulent, I have no clue and who they may belong to. I am also disputing all the accounts on the attachment as an internal dispute. If you choose not to reply to this final goodwill letter before its up to you. This is my final attempt to resolve this problem.

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 2018-09-07 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo XXXX date open XX/XX/XXXX date closed XX/XX/XXXX Failure to report any on time payments in this time frame. Incorrectly reporting past due payments. Failure to provide physical document verification to include contract, payment history, monthly balance, etc. as requested numerous times. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Wells Fargo Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.

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 2018-09-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Information for ID theft and XXXX XXXX is for XXXX XXXX and XXXX and the whole thing is for Experian I recently filed a complaint attached the Identity theft report to it Experian said CFPB can never do anything to Experian so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate Experian for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' Experian has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXX XXXX will be removed. All proof is attached to this complaint real forms that show XXXXXXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.

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 2018-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
I fell behind on my loan with Toledo Finance after having my loan there for some time and even re-financing it a couple of times. They do this to keep you in the loan. I was receiving daily phone calls from the office. They were leaving rude and threatening messages and a couple of times even left the amount that I owe on my voice mail. The voice mail on my phone only id 's the phone number and it is illegal for them to leave this type of information on a voice mail. I first sent a certified letter to stop the calls. I then sent an intent to sue letter to both the office where I obtained the loan and the corporate office. I got a response back stating that they would stop the calls but I will still obligated to pay the loan. 
In the letter of intent to sue I asked that my loan showed paid in full and all negative history corrected on my credit report. 
They had several violations of the FDCPA. Repeated calls and voice mails, threatening voice mails but the topper was when the rep left a voice mail with the amount that I was past due and that is a clear violation of the FDCPA. I could have sued them through my attorney but tried to work it out with them and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: ID

Complaint narrative:
I received a Credit Alert from Equifax for a collection debt from BYL Collection for a XXXX XXXX XXXX bill which I do not owe. First of all, when I disputed this claim, I sent a letter to BYL asking what this was about. They sent a letter on XX/XX/XXXX with a bill accompanying the letter for a gas bill from XXXX XXXX with this information on it : XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX My name is XXXX XXXX and I live in Idaho. I have never been to XXXX, NV nor do I use XXXX XXXX XXXX which is not even available here in Idaho as far as I know. The correspondence was sent to my correct address with incorrect data. I am in the process of refinancing my home and this is a bad mark on my credit report. I need this removed. I see that my credit score dropped almost 100 points because of this. The reason I know this is because the bank sent the 3 credit report findings and XXXX is the only one listing this fraudulent claim. My scores are in the 700s for the other two and 600s for XXXX. I need this removed from my credit score and I am not sure what else I can do. Please let me know what you can do to help me. Thank You, 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 2018-09-07 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: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
American Honda XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late which is incorrect and unverified. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it is not being reported the same. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation.

American Honda has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank
State: MS

Complaint narrative:
I recently filed a complaint with you all regarding a prepaid credit card with XXXX XXXX XXXX. As I stated in the first complaint they kept my money for 2 months before sending the card. I kept asking to return my money so they finally sent the card. I spent my {$400.00} and sent the card back. They kept adding more and more fees, so I called and told them I no longer wanted the card because of all the hidden fees and that I had returned it. I also asked them about all the fees and I no longer had the card. I had preciously settled with XXXX XXXX for a card that a dead family member had gotten in my name for XXXX and asked them would they settle for XXXX since I spent only my XXXX and they had charged me an extra amount for processing fees that I paid up front, I was told to send the XXXX and they also told me that I needed to send them another XXXX which I refused to send since I had given the XXXX plus XXXX processing fees and the XXXX. So they put XXXX on my credit report. after writing you all the first time and closed the account with a XXXX balance,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: Phoenix Financial Services LLC
State: UT

Complaint narrative:
Phoenix Financial is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also. 
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine! 
I have disputed it with the bureaus and they have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX has called several people who should not have been contacted regarding any of my information on numerous occassions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX Credit Dept. in XXXX, OH canceled my thirty year old account upon my husband 's death without notifying me. Simply stopped accepting my card when I placed an order with no prior notification. When I submitted the information they required to apply for a new card in my name, such as social security card, date of his death etc., they still have not issued a new card. Further, they denied credit card also to my XXXX daughter, XXXX XXXX XXXX who lives in XXXX, Or. and lives on social security and XXXX income from a trust fund.

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 2018-09-07 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: First Technology Federal Credit Union
State: SC

Complaint narrative:
On XX/XX/2018 I charged {$25000.00} on First Tech Federal Credit Union credit card as part of my payment for the Diamond level of XXXX. XXXX was an online business I had joined. 

On XX/XX/2018 the Federal Trade Commission ( FTC ) filed a  complaint against XXXX citing unfair and deceptive acts and practices in violation of Section 5 ( a ) of the FTC Act as well as additional charges. Reference Case # XXXX on the FTC website XXXX More information can be obtained on the Receiver 's site at XXXX First Tech has reviewed my dispute and states that because I failed to file dispute within their policy of " 2 month of charge '' that my dispute has no validity. The closure of XXXX did not occur until XX/XX/2018 which was past the allowable 2 months. 

I understand that if I had control of my dispute time frame ( say a store purchase ) and failed to file the dispute within 2 months of purchase that First Tech would have all rights to deny my claim. 

Unfortunately I had no control nor could I foresee the FTC closing the XXXX operation completely down! I have a large sum of credit card charges to XXXX. If the FTC has determined that XXXX was operating fraudulently then First Tech should follow their guidance and remove all charges associated with XXXX from my account. 

Any assistance you can give me will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank discontinued sending statements to me and without notifying me charged my Citi XXXX XXXX XXXX XXXX credit card for their Citi credit monitoring service. I was not using this card for purchases and they began charging my card without notifying me for $ XXXX/mo and accumulating late fees. They discontinued sending statements in XXXX. I only became aware of this in XXXX as a Citibank VP send me a threatening letter that I owed XXXX and if unpaid it would go to collections. 
When I called the outstanding balance since XXXX had become XXXX I paid immediately. I've been a customer since XX/XX/XXXX. I have no debt -- I pay 2 mortgages always on time. I've excellent credit -- yet they managed to trash my credit standing. This is why Americans have lost all trust in banks and their predatory behavior. I'm XXXX and very busy maintaining my obligations. 
This bank never communicated with me about any of this. Last week I received all my statements since XXXX from them. Since I was not using this card for purchases they devised a technique to collect late fees. 
I have worked hard to maintain my good credit standing. Citibank is sabotaging my credit scores. This is both predatory and elder abusive.

Not once did they contact me. If my Citi credit monitoring is not paid why then was the service continued. They had no authority to charge my credit card for these amounts if unpaid for -- so this is another issue. They had no right to report my account to the credit bureaus without contacting me. If they abuse customer like myself -- no debt, always pay my obligations on time -- which I have many years of record to show, imagine what abuse they must render to people that are struggling. 
For me their behavior is unquestionably criminal. They are a criminal and amoral organization. This is not how America use to be. This is the new America -- take advantage of the normal working guy.

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 2018-09-07 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: UT

Complaint narrative:
XXXX XXXX is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also. 
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine! 
I have disputed it with the bureaus and they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: UT

Complaint narrative:
XXXX XXXX is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also. 
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine! 
I have disputed it with the bureaus and they have done nothing.

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 2018-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ZENCO COLLECTION, LLC
State: AR

Complaint narrative:
XXXX CALLED MY CELL NO ( XXXX ) XXXX 13 TIMES. THEY LEFT VIOCE RECORDING SKIP TRACING FOR FAMILY MEMBERS. I SENT CEASE COMMUNICATIONS VIA XXXX-FAX AND ONLINE.

Company response to consumer: Untimely response